An excellent verse!

One of mine would be this one:
"Obey them that have the rule over you, and submit yourselves: for they watch for your souls, as they that must give account, that they may do it with joy, and not with grief: for that is unprofitable for you." - Heb. 13:17
As a typical, low church Protestant, this brings up a few questions! I'm supposed to obey and submit myself to a man, and not just God? And for that matter, there is
supposed to be someone who has rule over me? Who? How? And these people that rule over me not only serve as some type of spiritual guardians, must also give account for how they've done?