"The knowledge and vision to see things clearly" (yathābhūtañāṇadassanaṃ)

Knowing intellectually the three characteristics is one thing, experiencing them is another. As far as I understood, vipassana happens without will, since it is morality that leads to rapture and sukkha, which then helps to stabilize the mind, in order to facilitate clear seeing. My question then is: 1) Are most people both generically and wrongly coining in the term vipassana to point to a "new age" technique that has nothing to do with "clear seeing" according to Buddhism? 2) In how far needs meditation development? According to AN 10.1 it is moral purity that leads to consummate concentration necessary for seeing the three characteristics. > [Ananda:] "What, O Venerable One, is the reward and blessing of wholesome morality?" >[The Buddha:] "Freedom from remorse, Ananda." >"And of freedom from remorse?" >"Joy, Ananda" >"And of joy?" >"Rapture, Ananda" >"And of rapture?" >"Tranquillity, Ananda." >"And of tranquillity?" >"Happiness, Ananda." >"And of happiness?" >"**Concentration**, Ananda." >"And of concentration?" >"**Vision and knowledge according to reality.**" >"And of the vision and knowledge according to reality?" >"**Turning away and detachment**, Ananda." >"And of turning away and detachment?" >"The vision and knowledge with regard to Deliverance, Ananda." >— AN 10.1 With regards