In a nutshell I see it as this way:
Imagine a circle. The circle is your personal growth.
Imagine an hydraulic jack beneath the circle which you must take ACTION to pump the circle higher.
Now, imagine above the circle, a pallet of house bricks. The house bricks represents inertia or ZERO ACTION. This weight with the help of gravity is always forcing your circle down unless you counter that force with your jack (ACTION).
Can you see the difference? Positive growth actually requires you to do something. Negative growth requires no effort.
This fits into personal growth products nicely. We can be told and shown better ways to work the jack, and better ways to remember to work the jack, but it still always requires ACTION.
There should be a health type warning on these products, something to the tune of....
"FINANCIAL WARNING. This product actually requires you to take ACTION"
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