Just visualizing how you want your life to be and expecting it to come true is ofcourse just some new age bullshit, these are also the people that use the words truth and perception interchangeably, while always meaning the latter and ignoring the existence of the first, which annoys the fuck out of me.
Having a positive state of mind in terms of your goals is ofcourse essential, you're not going to accomplish much when you're all pessimistic about it, but ofcourse you need to understand that action is required, and action requires courage.
Everyone has courage; the difference is in what they apply it to. Soldiers in Iraq are not generally rich. Mothers of children with Leukemia are not generally rich. Donald Trump is very rich.
The difference in being apparently successful to others, that is, in being financially successful, is that you need to place the acquisition of wealth as your highest priority in life. If money is what you want, then money is what you will get, because money is what you will put your energy into. If you have other goals in life - helping the poor, the less fortunate, saving the rainforest, starting a family, what have you - then those are the areas in which you will express your courage and find success.
I do agree, however, that action is required. And action requires the overcoming of resistance to change.
Becoming an order follower isn't courage, it's going with the herd, these people are as fearful as they come.
Courage is stepping out of the herd, going into the unknown, following your own path, as you say overcoming the resistance to change.