My guess is not that I don't apply "biological principles," but rather how you handle ability checks in your game. It sounds like you run them more like D&D 3e and 4e where players have an expectation of making checks upon request and passive checks are "always on." That's not how I do things in D&D 5e. I don't think it's a fit, given the rules and paradigm. We can discontinue this line of discussion though as it is not particularly relevant to the topic at hand. Good chat.
You don't apply biological principles. No need to place it in parentheses. You simply don't do it. I do. Survival of the fittest and natural selection are two principles I use in game design. Just as the fiction informs you, I ask myself "Would this creature survive the way it is constructed? Can it accomplish what it is supposed to be able to accomplish per its description and purpose in an encounter?"
5E is very clear that the use of Passive skills are encouraged and hand-waving rolling is also encouraged. I don't see how you can consider your way of adjudicating as appropriate for 5E as it encourages additional unnecessary rolling. Explain to me why you think 5E goes into such depth explaining Passive Checks and hand-waving rolling if they intended you to make players ask for Insight and other such skills if you can use a Passive Score? I would like to hear this explanation. My reading of 5E with the in-depth explanation of passive skills and the general hand-waving of rolling for skills on the whole all in an effort to reduce rolling is somehow better served by not using passive scores when able. Now you're asserting that your method is somehow more in line with how the game is meant to be run. I certainly do not see that in the text at all.