I was thinking more along "being correct about change you're supposed to get in a shop" than "being correct about what to do in a fire", but still, I said people learn. Life-or-death situations are pretty rare and an individual is unlikely to experience them enough times to learn from them (much less if any small mistake leads to the tragic outcome). So the learning happens at the institutional level (fire departments are pretty smart about what to do in a fire), and best individuals can do is get trained.