Humans typically use the toolset they've seen along the way to solve problems (hence if you have a hammer all problems become nails statement). When you get people that are multi-disciplinary they commonly can solve a complex problem in one field by bringing parts of solutions from other fields.

Hence if you have more life experiences (especially positive/learning ones) you are typically better off then a person who does not.

Also I think this is where a lot of interest in Q* learning after the OpenAI thing occurred, as this would be a means of allowing an AI to explore problem spaces and enlist specialist AI and tools for it to do so.