The way your post is peppered with "...need to explore next..." and "...needs to understand..." or "...need to obtain..." is exactly why I think Dramatica can be limiting if you don't study it and how wide a net it casts.
Why not "happens to experience next" or "blunders through some misunderstandings" or "gets their wallet stolen"?
I know you're just helping with some footholds, so I'm not to (I'm trying not to, at any rate) come down on you. I'm just getting at how a simple understanding can be limiting, and any method that limits unnecessarily is a poor method.
Especially when your gut tells you to take a story one way, and your limited understanding tells you not to. That just leads to frustration.
"Needs" is too limiting. "Understand" is too limiting. "Fixed Attitude" is too limiting. These are just doorways into what is really going on.
Dramatica is a lens on story. It helps us understand why they work, but it cannot make them work without the writer's input. And I've never met anybody who didn't have to go face-to-face with it on the wrestling mat and lose time and time again before it all clicked.
(By "it all clicked" I mean: one very small part of it clicked and you immediately had to confront a part of it that still doesn't make any sense.)