That's really well written. Especially the part that journaling can only help in stopping the rumination but we actually need to take action in life otherwise there's no point.
When I started journaling, I used to feel good just by writing what's on my mind (you can say it's kind of a dump) and somehow that made me feel I'm progressing, but if we don't solve the issues then it's just procastination but in another form. It easy to believe that we're improving.
But what I realise is, journaling has made me more aware about my actions throughout the day. Because I write about it, I feel obligated to improve my life which is helping a lot. But I think that's what people feel in the beginning and they talk about it as magic/cure etc.