Generally I agree. But there is a huge weasel clause in this whole line of thinking: Ultimately, I could always end up with "they haven't done the research or connected the dots because [insert something reasonable that is stopping them] so they are not stupid, just lesser informed or emotional" but essentially there will always be reasons that people do hard drugs or get involved in scams or get in fights at bars but "they are just so stupid" can sometimes suffice.