Well put, sir! This reminds me of a conversation that I had with a professor in college. I was a computer engineering major and as I was taking some elective classes, in particular Economics 101, I just was befuddled at the fact that people were getting 50s and 60s on the tests.
This eco class was unbelievably easy - it didn't even require purchasing the book - all that you needed was the prof's notes and 20 minutes to half of an hour before the exams to ace them. The class involved simple supply and demand and very basic algebra. Most of it, to be honest, was what I thought of as "common sense". (According to supply and demand, if there is a dramatic shortage of jet fuel, and the demand for flights remains constant: jet fuel prices rise? jet fuel prices lower? jet fuel prices stay the same?)
Anyway, being a strapping young engineering student, with all my common sense, I was confused about how people could fail this sort of test - and man was I missing the point! My professor politely informed me that there is a reason for the terminology "above the curve".