Well, You claim to be much smarter than me just because you have a Physics degree, but you don't even know what are fairly basic EE concepts, so you're logic is loking a bit "holey" there (ok, bad pun, but I couldn't resist)...
I don't think I can guage you're actual intelligence that way, but my point is that some people are smarter in certain areas than others... You may be a whiz at Physics, Calculus and other stuff that gives me a severe headache (but I can understand the basic principles and even solve most of the equations in a Real-life ballpark manner), but you probably don't fully understand how your DVD player or telephone works...
I, on the other hand, don't have the philosophy background you do (and what I do have is entirely self-taught due to being born into destitute circumstances), or near the level of Math and physics (I hate math, but am actually good at it... Don't ask me to explain how that happened, because I'm not sure myself) education you do, but I have re-built two WWII-era field phones for use as desk phones (even went so far as to design and build a DTMF encoder from the ground-up so I could dial out on Touch Tone (tm) lines with these dinosaurs), and could go in-depth on how pretty much any electronic device works, and I can get a general idea of how a device where I have limited or no practical experience works, and how I could build one (providing I can get the parts). I have even troubleshot system faults for the radar I worked on via a nearly instinctive level (one such incident saved the American Taxpayer $72,000, BTW).
For a further example, my Division officer went to the most prestigious prep school in S. Ca, and graduated with a degree from Stanford, but didn't know what a simple O-ring was.
I have a 141 IQ, but I was born in some backwoods shanty-town, which means that I likely didn't have HALF the opportunities you did growing up. Just because I was poor (thanks to my Navy traning, I have a half-decent entry-level electronics job, but once I get my degree, I'll actually have a shot at working for NASA.... OK, the fact that one of my best friends is a mission controller there might factor into that, but even without inside help, I do have 6 years of Military experience, have actually launched rockets {of a different nature and shorter range than theirs, but its still the same principle}, and have a security clearance {currently inactive, but it can be activated at any time}).
The thing is, my parents are just as financially responsible as yours, but being that my father's family is poor, and my mom... well made some bad choices where education was concerned (can you say "It was the '60's"), and my father couldn't afford college (and he would have gone into the army to get money for college, but he didn't want to be sent to that meat-grinder known as Vietnam), we had less money to work with.... My one uncle was the first person in the entire history of my family to go to college, and he actually ran trap lines on campus and did all sorts of odd-jobs to get enough money to squeak by (Fur prices were pretty high back then, and he got almost enough to pay his tuition from that alone

)
Still, while that guy could have been a lucky guesser, I've never been wrong when my "spirit radar" has gone off. I suppose you could explain that with "Psychic Phenomenon" but that gets back to the whole "but what if psychic is actually spiritual debate" that tends to go round and round without proving anything....