Your counter-examples have the property that most of the things you need to learn are absent from the media being watched, leading to an observation which is "obviously" true, but they ignore the impact of media on a journey properly incorporating other pieces of information. To compare to the mental models being discussed, you'd have to actually consider effects you're writing off as negligible, and when it comes to something like a world model which we've only learned by observation and which doesn't have a lot of additional specialized knowledge those effects might be much more impactful.

Most people can’t explain the physics they see, but they can deduce enough to be able to predict the effects of physical actions most of the time.

Sure, be ready to get them out, and if they’re trapped and it’s going to be a while until fire shows up start working on that. But my mental model is that for any road legal car that is not currently on fire, there is a higher chance you’ll cause harm by rashly moving a victim than that a victim will be suddenly consumed by an enormous Hollywood style conflagration.