Another spin on why we don't succeed...

Mike,
I can relate to the pattern you just mentioned. I suppose, in my last post, I'm speaking more of "vices" or "bad habits", which are a little different than the idea of a conceptual complex.
Am I right in assessing that the idea of a conceptual complex is more of an "intangible" idea, whereas a "bad habit" can be more readily connected to a tangible, physical object (eg the boob tube, junk food, etc.)
That being the case it would be more difficult to "eliminate" an intangible thought than eliminating the tangible connected to the bad habit.
With me, for example, my main problem seems to be that I can never take my business to the levels of success I want. I can keep the money coming in and the food on the table with my business, but it's always been a challenge to achieve wealth. For me personally, I'm able to tie this dilemma directly to some bad habits of mine, not conceptual complexes (at least none that I can identify).
For example, I know if I saved more of what I earned, I'd be able to leverage that capital to multiply my marketing efforts via placing more ads, doing more mailings, etc. Regardless, I take the money and spend it the way I always have to remain "comfortable". This, at least in my view, is a bad spending habit. If I were to eliminate my access to the money I earned - other than what was needed to pay my bills - I'd be one step closer to being where I wanted to be. Then, when I was ready to leverage that money for my business I'd give myself access to the money at that point only.
Of course, I can't say how other people's minds work, but it seems to me that just about everything keeping me from being where I want to be in every area of my life can be directly connected to a bad habit.
Maybe I'm not digging deep enough, but I've never had thoughts that I don't deserve success or that I'm incapable of success, or any of the other conceptual complexes that Mr. Fritz speaks about. For me, I'm able to connect everything that's keeping me from where I want to be to a bad habit or self-defeating level of comfort that I'm used to. Thoughts?