Thank you for your great question!
In Gyan we have learned that what we “perceive is what we are.” Life will just make that obvious through “mirrors” (people, circumstances, etc.) Now, I hear, Baba hasn’t said that? Brothers and sisters, that is known as “churning.”
Narayan will see everything as “good” in the Golden age. John may see life as challenging in the Iron age. That perception does not come from the outside, it comes from the inside.
Our perception of reality is just a perception which is real for us, but that perception comes according to our state of being. In other words, my sanskaras and my thoughts are the same. Through those thoughts, I will interpret life. Those thoughts are related with karma and that is related with the Drama.
In my experience in spirituality, life has given me those things which I have desired the most, although not always exactly what I wanted, something similar… However… there is a very wise saying that takes precedence over any of the books that you have cited, that is : “Be careful what you wish for….for it could become a reality.” Earning a million dollars could be a nightmare! 🙂
BapDada uses your book citations a lot. “Good wishes and pure feelings for all.” (thoughts and feelings) rather than wishing to earn 1 million dollars, (limited wish) the most elevated wish is to have that generosity from the heart for all beings. Similarly: “As your vision, so your attitude.”
As far as the “programming” deal, BapDada uses the same principle when He makes us do a “drill” or to “spin the discuss,” so; what the authors you cited could be true; but you will only know, if you try those things upon yourself; for we are different and “what works for John, may not work for Ananda.”
The only thing that I support for change (according to my experience) of an established pattern are “life experiences:” The experience of the self and life through the light of Gyan.