It is sometimes hard to reconcile the physical realities of life with the high-level spiritual truth that you create your own reality. I think we need to look at it this way. Life is a game, and games necessarily have these elements: freedoms (to choose and act), barriers (to define the field of play) and problems (challenges to overcome). The wholeness is broken up - we move from knowing to not knowing - in order to become whole again. There are three types of game that each of us plays here on Earth:
Within the fixed boundaries of physics, a reality we share with everyone else, we can create by moving, building, touching, and so on. As far as the body is concerned, it's a survival game, a playing field of eating, sex, emotion and effort. Here we need to illustrate and obtain agreement about changes we want to make, or we can expect to find opposition.
We create our own reality in our minds through our interpretation of events, based on beliefs that we have learned through negative and positive learning experiences. Our world view is through this colored filter, which is different for each person. It may be under our control or reactive and irrational. We also may adopt many different identities, and accompanying filters, according to the various situations and relationships in our lives.
We only occasionally awaken to this level, which is the viewpoint of pure will, determined by unlimited communication, understanding and empathy. This is what we might call God's love, of which we all are essentially an integral part. There are no physical barriers from this view, and the game is one of reconnecting with the benefit of shared experience. This is the source that is ultimately responsible for creation.
We play at all levels simultaneously, and they each have truths that appear to contradict but actually are complementary, when seen like this.