You're right, it should be explained a little more in detail. Here's my attempt:
Three stages of recovery from a mood disorder as I see them, along with what the patient's mindset should be at each stage:
1) Acceptance of the problem - "My personality is seriously limiting me and I'd like to fix it. I have some hard work cut out for me." (Note that this is the stage that I've been rallying against being encouraged. It is the stage to which drugs like benzos are almost guaranteed to limit development.)
2) Understanding of the cause of the issue - "My life has been pretty crazy at times. I survived, but I definitely have some baggage. I understand now the baggage I am carrying and will work to improve the parts of my personality that have been erected in defense of my past. I will not blame myself for my personality quirks but rather my past, and now that I understand the issue I can grow past it."
3) Integration of understanding into life - "I'm trying a lot of different things to make my personality less defensive. I'm making mistakes but learning from each of them. I'm not worried about the mistakes though as I'm thrilled that I have freed myself from my past. I've matured past this finally and I'm going to live life to the fullest."
Maybe there are some people that are incapable of progressing in this manner. I'm not convinced that this is a majority however, especially given that there is variance between what different doctors classify as BPD or other mood disorders (shows BPD / mood disorders are not exact, understood things but rather tendencies). BPD may be a rather extreme mood disorder but as long as there is not cognitive disorder, the person is still rational and can improve their faults once they are understood (step 2).
No offense, but you're giving bad advice and making big theories based on a very limited understanding of the subject.
First, BPD is not a mood disorder, it's a personality disorder. Bi-polar and clinical depression are mood disorders. BPD is not. It's a personality disorder and one of the big symptoms is really intense emotions and massive mood swings.
Second, BPD is a cognitive disorder. So is depression. So is panic disorder. They all have cognitive problems in common. (BPD might not actually fit the technical definition, since it's a personality disorder, but I think it should qualify.)
Third, there isn't this distinction between cognitive and mood disorders. At least not that I know of. The separation usually used is:
Axis I: Clinical disorders (depression, schizophrenia, drug addiction)
Axis II: Personality disorders and intellectual disabilities (BPD, down's syndrome)
Fourth, people with BPD are NOT rational, a lot of the time. That is the whole idea behind cognitive therapy. To help recognize and change the very irrational beliefs that the patients have. They don't, and usually can't recognize those beliefs without help from a therapist.
Last... your treatment plan would fail horribly. Read about DBT instead.
http://en.wikipedia.org/wiki/Dialectical_behavior_therapy
That actually does work. In fact it's the only thing that has been proven to work. But it is very hard and stressful, and it takes a LONG time. Usually years. Especially if the patient is like me, resisting it every step of the way.