Ryujin
Legend
It also could be that we're over-competent. I'm pretty sure I'm not as smart as Umbran, and I know I am as smart as my wife. But in a crisis, like a car accident, my wife will do the stupidest things, whereas I am doing the things that need doing like turning on hazards, checking for injuries, clearing out of traffic, taking pictures and getting license/insurance info and not claiming responsibility for an accident that was the other guy's fault because he was going the wrong way in a parking lot.
Even in a panic like jumping off a boat into water that is 2 inches deeper than I am tall, I manage to flail and jump in a useful direction toward a friend who can tow me closer to the shallows (true story, can't swim, and life vest wasn't as floaty as we thought).
I'm sure my combat skills are only effective against people who suck, but my general reaction to trouble and problem solving skills are top notch. I don't screw up in ways that matter in a crisis. Thus, watching people "do the dumbful" is like listening to my wife's latest fender bender and finding all the things she did wrong. Painful.
Maybe. I know from experience that in motorcycle crash I'll check to make sure that I'm done sliding before trying to get up (seriously, that's a thing), check for traffic in both directions on a highway, Do a quick injury assessment, and run off the highway in a safe direction all automatically, almost before anyone knows that I'm down. I'm not convinced that's it though.
A lot of the stuff that sets me off in those shows isn't that sort of immediate crisis management. It's more long term; things that should become habit, or be general life skills. OK, so you don't know what a "zombie apocalypse" is. You do sure as hell know what a disease outbreak or random rioting are. Admittedly there were stupid people who went to gawk at the Poll Tax or G20 riots. In a ZA they aren't the people that you would follow in a story though, because they wouldn't last through the halfway point of episode 1.