In sum, I agree, but one small issue I take is when you argue that someone acts contrary to their learning it demonstrates that they don't really understand it. I'm sure this is often the case, but sometimes it's a matter of akrasia: the person knows what they should do and why, even deep down inside, yet finds themselves unable to do it.

Humans suffer heavily from their biases. I recall at in middle school I came to the conclusion that no deities existed, yet it took me a long while to act on it because of social pressures, so I continued to behave contrary to my beliefs out of fear. It was only later in life that I gained the self-confidence and bravery to act upon my beliefs, no matter how contrary to the social norm.

You might say that I didn't really understand and that if I did I would have acted differently, but I find this contrary to my own experience, and this is only one such example. The human brain is a mine field, and even when we understand, we may still fail to act correctly.