Great observation. I found myself thinking it reflected the famous quote: "“Watch your thoughts, they become words; watch your words, they become actions; watch your actions, they become habits; watch your habits, they become character; watch your character, for it becomes your destiny.” The post author is traversing the actions-habit-character territory.

Yes, when the change is small it is hard to realize is it really 1.01 or 0.99? That demands a lot of constant reflection which causes self-doubt and the easiest path out of this tension is too let it go and just don't care.