Discernment That Destroys Defilements | Discussion

A Dhamma discussion based on the question..."Bhante, I have some questions regarding discernment. First, is the only type of discernment which leads to the destruction of defilements and cutting fetters, insight into the three characteristics? Secondly, are we supposed to A) actively produce discernment in meditation, or B) are we cultivating our minds in a way that will cause discernment to arise naturally? Whichever it is, can you please explain how this is done?"