Isn't this a thought? ;-)
What is over time?
Well, yes, but based on some visible evidence. I know that past and future don't exist right now in direct experience, but they, and time in general can still be useful right? For example, let's take a kid who can't read yet - when they try they might in that moment not like it, not be very good at it and find it frustrating, but they/we know that over time they will get better and the end result will be worth it. If you completely discounted past and future / passing of time, you would try once and then not bother again. You would never learn anything because the pay of is never immediate.
What does one need for being able to say that?
Memory, the moment one looks at pictures, an evaluation and judgement - or?
Where does this happen?
And what is only there in the direct experience, in the moment?
Agreed. Memory, idea of past, comparing/evaluating only happens in the mind. Direct experience is looking at or doing a drawing now - of for doing a drawing it's just line by line, shaded area by shaded area, not even the whole drawing.
But just because something is only inside a thought, does that mean it doesn't have value / we should automatically discount it? I don't think so. I think we just be wary of treating as true without testing it. And it's ok to take something on someone else's word if you evaluate it to be reasonable - for example, I don't know, in direct experience, that coronavirus exists. I have literally zero evidence on that basis. But I trust that it isn't a giant hoax, and that it is sensible to practise good hygiene etc. We wouldn't survive very long if we went absolutely only what is in direct experience. And if we did we would have to learn literally everything from scratch ourselves from the ground up. There would be no civilisation, no medicine etc. etc.
But, self, for example, is different, since it's personal. No-one else can tell you anything about self / no self - unless one day a scientist can actually measure / detect something in you personally (LOL), so all you have to go on is direct experience vs thoughts.
The story in itself isn't a problem, thoughts never are, so what is the problem?
Believing the story to be true? And if, by believing it, unpleasant emotions, unkindness to others etc. arise there is a lot of unnecessary unpleasantness. And if by believing it, you expend lots of energy resisting, trying to change something etc. again lots of unnecessary unpleasantness happens.