I think we should encourage people to mention the level assumed any time we discuss changing or replacing habits.
Hire a teacher/trainer/psychologist/authority to change your habit. (Outside world to act for/on you.)
Examples:
Take driver training.
Take a class.
Hire a tutor.
Hire a trainer.
Hire a psychologist to do phobia desensitization.
Hire a hypnotist.
Individual self applies repeated conscious effort to change a habit in individual subconscious/unconscious.
Examples:
Affirmations.
Any/every self-help technique (Think & Grow Rich, Silva Mind Control, EST, etc.).
Conscious choice of self-descriptive language.
Practice.
Epiphany/eureka! Universal Self instantaneously replaces old habit in individual self with new habit.
Examples:
Awakening.
Dream answer.
Epiphany.
Eureka moment.
Realization.
Revelation.
Satori.