なかなか in front of a negative verb means "not easily", "just won't": something you want or expect keeps not happening. The verb is in its negative form, and the tone is impatience or mild frustration.
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The bus just won't come.
。
The rain just won't stop, will it?
。
The train took forever to come.
Without the negative, なかなか means "quite": is "pretty good".
Your own actions take the potential
When the action is yours and you are trying, the verb goes into the potential before ない. A plain negative would sound as if you are choosing not to.
。
I just can't seem to memorize kanji.
、。
Lately I just can't get to sleep.
- × 私は漢字をなかなか覚えない → 私は漢字がなかなか覚えられない
なかなか~ない or あまり~ない
with a negative just means "not very", "not much". なかなか needs something you are waiting for or working at, so it doesn't go with a plain description.
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This book isn't very expensive.
。
I just can't seem to finish this book.
- × この本はなかなか高くない → この本はあまり高くない