Hello again! Thank you so much for expounding more on the difference between pattern and curse, and I hear a lot of my own questions echoed in your own. Pattern and ways of being can be learned and repeated – even when people are actively trying to break the pattern! – but is there also an outside, spiritual element at play in certain circumstances?
I will say that I tend to believe that the curse is in the ‘inherited’ pattern…that the two would be synonymous. However, I also think it naive of me to think that this is always the case! Naive to think that there are no spiritual forces at play in this world. Scripture and the first-hand experiences of my more charismatic friends tell me that they are very much in play! You have your own stories by the sound of it. Would love to hear you experience if you wouldn’t mind sharing. 
But as to your question about prescriptive prayer practices in light of these curses, I think I am with you in expressing skepticism that it is the way. I have known a few people who have stepped in to healing prayer spaces, and they attest to its power in breaking or releasing something that resulted in freedom. And, interestingly enough, a process akin to this is can be entered into in therapeutic spaces that have what’s referred to as a ‘transpersonal’ grounding. That is, there is a concept of a ‘sin of the father’, even several generations removed, that needs to be acknowledged, forgiven and the spirit of it released so that healing and restoration can take place.
But I do find it to be the case that Jesus was rarely formulaic. I say ‘rarely’ because two places that come to mind where he seemingly was formulaic:
- when teaching his disciples to pray: “When you pray, say…” (Lk. 11:2-4)
- when explaining to his disciples why they couldn’t cast out a certain demon: “This kind can only come out by prayer.” (Mk. 9:29)
In fact, I imagine the Mark passage is probably where this prayer approach gets it practical, Biblical grounding? Sidebar: interestingly enough, Matthew records Jesus telling his disciples that it was because of lack of faith (Mt. 17:20) while Luke leaves out their questioning altogether (Lk 9:37-43)!
Again, I’m with you. It seems that what they’ve done is taken Biblical concepts – generational curse, confession of sin and prayer that heals – and brought them into engagement with one another. That’s not necessarily wrong, but I do think that one has to be careful when always prescribing it. For, as you pointed out, Jesus himself (Jn. 9) provides a correction for the disciples who were prone to understand any malady as evidence of a generational curse. That man was a living parable. It was the Pharisees who were cursed/blind because of their sin, not the man! Though, I wonder if a case could be made that he was blind on account of the Pharisees sin?? 
I have no doubt that this could be a cathartic exercise, but I don’t know if it can necessarily ‘work’ in every case. For, again, Jesus does not seem to operate under the physical malady = moral failure paradigm. That formula may not work in some cases, quite simply, because there is no curse!
I realize I haven’t really added anything new to the convo, but I at least wanted you to know you’re not alone in your skepticism! I definitely think there’s a place for healing prayer, but it just needs to be approached thoughtfully and consensually.