Unlike other animals we have some specialized biological equipment to handle very low probability events, but then we are special. If you're a nematode worm you're pretty much restricted to "Death learning" aka genetic learning where the species learns by individuals being ejected from the gene pool. Over time the species comes up with a time-integrated behaviour function that produces optimum responses to what the environment is chucking at you. So you tend to eat the right foods, mate with the right guys and avoid the nasty guys. The behaviour function is strongly weighted to the probable events, for obvious reasons. Rare events can kill you, but not as often as probable events.
The next big step up the evolutionary ladder is "Suck It and See Learning" where the individual modifies behaviour based on its past experience: that stung me, this tasted good, etc. The individual no longer has to die to learn something. Progress. An extension of this mode is learning not just by personal trial and error but also by watching other members of your species, usually mom and or dad. A baby bird learns how and where to catch worms not just by endlessly scratching around in random patches of dirt until it jags a worm, but by doing the rounds with its parents. It can also learn signs of danger so it doesn't need to be eaten by a cat to find out why cats are interested in birds.
Humans add another even more sophisticated layer on this, which might be called Narrative Learning. This is basically creating and swapping stories. It might also be called knowledge, but isn't knowledge just stories that happen to be true, or true enough to be useful. This is what allows us to handle very low probability events, things that might occur once a year, once in a lifetime (water flowing underground) or even once in several generations. If you happen to be living out on the plains of Africa half a million years ago this kind of stuff would give you a wild advantage over all the monkey-see-monkey-do types around you. How to choose a good spear, how to predict the seasons, when to shift camp, what plants can kill you, etc. Science is the ultimate form of narrative learning; stories are picked not because they sound right/are interesting/are sexy/worked once, but by relentlessly grinding them up against reality.
And this capacity for narrative learning is, of course, why we find the improbable events on You Tube - or the Bible - so very compelling: we have evolved to love and collect the improbable, just because it just might save us one day. I know that next time I crash a truck, I'm going through the window, and landing on my feet. It works.