Lying in bed and just letting any thought come to us is not meditation. It is just thinking and paying attention to what the mind comes up with. This is problem solving, memory, or whatever else flits across the screen of our perceptions. Meditation is going beyond the mind. It is rising above it.
During meditation, thoughts appear but we don’t attach any weight to them. Meditation is not a problem-solving session. It is going beyond whatever problems exist in our lives and finding a reserve of deeper consciousness from which we can ultimately make our decisions. These decisions may not be based on what is the most practical or economical solution. They are usually soul-based and have to do with delight in our inner growth and sense of meaning.
It is important to be trained in meditation. Everyone thinks they can do it because they think it is just sitting around contemplating or thinking. But it requires techniques and practice.