It's a problem of perception and communication- I don't disagree with most of your explanation, however the entire public discourse on addiction (among other topics) has been hijacked by narrowly defined theories, and 30 second soundbytes: when the subject has a plethora of asterisks and footnotes and indirect connotations that make it impossible to turn such a difficult complex of facts, anecdotes, culture, history and science into something easy to understand and explain.
At the moment, of every model of addiction currently on the table, I do think the disease model offers the best explanation- based on a particular definition of a disease, and with a number of 'buts' attached to it. The biggest 'but' or 'asterisk'/'footnote' to the disease model is personal responsibility.
On the one hand you've got 'addictionologists' and treatment professionals who profess an addict is devoid of responsibility by virtue of having a disease.
I haven't talked to many addicts who believe personal responsibility isn't a factor. I'm against this notion as well; the often destructive force will and choices play in addiction, it is a vital component to understanding the broader implications of addiction.
On the other hand, you've got the moral model of addiction, which basically says addiction is entirely a choice and is maintained by the weak will ,weak or degenerate character of the addict. This idea has spawned the most destructive aspects of addiction- the 'super ego' that constantly berates addicts with unneccessary stress and triggers like anxiety and depression on a daily basis, and the systems of prohibition and institutional ignorance that continue to harm recreational drug users and addicts alike.
When addiction was thought of strictly as a mental disorder, we ended up with lobotomies, electro-shock therapy, and now Naltrexone implants. I don't think it can be argued that addiction is a physiological condition- which makes it much more than a psychological disorder.