Memory is a Complex Process with many sub-processes
Distractions would be a third example of a Non-Habit state. I'm sure you can think of many more that must be considered.
Dedicated researchers have, and are spending their lives studying memory, and still the answers to exactly what it is, are not yet known.
I think it is safe to say, however, that memory like language, is not a single process but a composite of many processes in the brain, and ultimately some outside of the brain. Hence, the word "memory" is a simple term for a very complex phenomenon.
What does it mean to memorize something? A series of very different memory functions are involved.
Let's say the task is to remember a word--a basic need for developing our vocabulary.