First of all, whilst I’d like to also think that most of us are reasonably intelligent, I have my doubts with the “most” part. And secondly people’s experiences might be helpful to others but as always responsibility lies with ourselves to deem what is fact and what is fiction and everything in between.
But I know that if I want advice on my car, I’ll ask a car mechanic and still weigh things up myself. A bit like if I want financial advice I’ll ask a financial adviser, not come onto a punting forum and ask anonymous individuals.
I agree with your 1st para, apart from the level of intelligence bit.
That sounds a bit elitist doesn't it?
'If I want someone's opinion, I'll give it them' ???
I consider myself to be reasonably intelligent albeit with a couple of screws loose, and recognise that there are many members more cleverer than I is.
We're even fortunate to have the legendary doctor from Dodge City , who despite his new avatar is still apparently able to rise from the dead to regale us with his wit and vast knowledge of concoctions and remedies......OK! I know... always check with your GP blah blah!
In relation to seeking information about issues other than punting, I've enjoyed reading lots of views and advice in the off topic section from all kinds of subjects like electric cars, smart meters, holidays, films etc, so maybe I'm not so agreeable with your 2nd paragraph.