Implicit thesis help? A personal narrative essay in which I must show an argument/moral where inaction is the best way to deal with a...

It is difficult to distinguish between personal narrative
and narrative essay except that when tagging "essay" on the back it implies that the
piece has direction from beginning to end.  I've done a lot of personal writing.  My
best advice is to come up with a time in your life when you had a problem, you did
nothing (or very little) and the problem either resolved itself, or the answer became
clear because you waited.  I don't know if your recent experience is the one you want to
use.  You have not seen the results of the entire thing
yet.

As far as writing the piece goes, I'll tell you what I
tend to do.  I like to write my first draft of such essays in the form of a letter
(sometimes I actually open up my email and really write something to someone).  This
helps me find my voice.  I know it is me when I'm just writing a
casual letter to a friend.  I used the word "draft" but what this step really is, is
brainstorming.  I work best when all of my ideas are out and on paper.  Do this first,
then walk away from it for at least a day.

Re-read your
first attempt.  First of all, is there a clear movement in the piece?  (This is key.) 
Does it have a decided beginning, middle and end?  At the end, do you feel a sense of
resolution?  If there is no resolution to the problem, is there at least a resolute
lesson that was learned?  The resolution, in this case, is going to end up becoming your
implicit thesis.  You are not going to state from the outset what you hope to accomplish
by the end, but something will be accomplished through the simple
act of telling a story.  Does that make sense?

This is a
difficult thing to do (and by no means do I claim to be an expert), and I hope you can
find your personal writing groove to accomplish the task, whatever that may be.  Perhaps
instead of an initial letter, you write a journal entry.  I tend to do better focusing
on events and details (the entertaining "meat" of the story) in letters/emails and am
more emotion oriented in journals.  I don't think you want to go the emotional route
here.  Focus on the details of events and wrap it up with a
point.