That is true. But all these can also be thought of as how one responds to a given situation based on one’s gati. However, the situation can change one’s gati, if one does not have a “solid set of morals”.
This is true even outside the practice.
For example, when two people get married, they will both HAVE TO change their gati to some extent to accommodate the other person. At least, in successful marriages it happens.
But if one develops “moral gati” that will help in any of those cases you mentioned. For example, in the first example of the couple, if they learn Dhamma and have that common and good focus that will be an added benefit, because not only will they common gati, but they will be ‘moral gati“.
In other words, two people with bad moral getting together and starting dealing drugs, they will both end up in a bad situation eventually.
So, there are many ways to think about this. You are right. These are the “real meditation topics”. But one thing is certain: A person with a “solid, unshakable, set of morals” can change gati of those around him/her, and thus change their nibbatti lakkhana!