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It's not uncommon for people to be very capable within their niche and yet total Dunning-Kruger "How hard can it be?" in any other context. The basic DunningKruger problem is a lack of any skill at meta-cognition (or any awareness that it's even a thing), but I think there are probably multiple thresholds there, so somebody might be able to apply some abstract thinking up to a point and then totally fail beyond it and somehow not be able to see there's a problem.
Personality traits can be barriers as well, I think. My wee brother scored well in IQ tests and similar when a kid, but is fundamentally lazy and entitled. In particular, he very early on went beyond intellectual laziness to being stonkingly anti-intellectual. Family get-togethers are embarrassing, because he debates like a mentally subnormal schoolyard bully and has no idea how stupid and crass he appears (there's an empathy fail there, as well). In his niche (RAF pilot), that kind of attitude is the norm, so he's not challenged.
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itsbruce
I wonder if these people are just a bit thick, eccentric, or if they are smart enough to know that they are basically protected and untouchable due to having valuable skills that are in such demand so there is literally no benefit to them in engaging with 'lower level life' and attaining actual life skills.
tl;dr someone has to clean the toilet but it's not going to be them