I find most people pretty stupid actually, and I am not going to take myself out of that statement either.
Low IQ is one thing and can be excused, but gross stupidity like the woman who walks down a darkened alleyway alone because it cuts 15 seconds off her walk time to her car can not be considered high-functioning. A deer would not get into a lift with a lion would it?
I think the main cause of this is because most people assume "it wont happen to them", and it isn't just women who are like this, men are pretty stupid as well, especially when we do insane challenges that we have no aptitude for to show off.
You are right in saying IQ is a lottery and based on pure luck, but choices aren't. Choices based on abject stupidity are still idiotic choices, and plenty of supposedly intelligent people make them.
@Jaidey, I had no idea what this topic was about when clicking on the title, I assumed it was something about intelligence and not about interests until it became apparent, you might want to sort that out