They're
one and the same.
And no matter what you call it, it still doesn't give you the ability to properly understand the collapse mechanics of tall buildings.
Babies do some pretty stupid things. They stuff things into their mouths without regard for what it is. They put plastic bags over their heads. They jam forks into electrical sockets. The mere fact of the necessity of a child safety industry proves that this "innate reasoning" you speak of is far from foolproof in the modern day world.
Genetic knowledge exists to protect you from predators, disease, natural hazards, and food scarcity. It does not and cannot grant you the ability to analyze tall building collapses. I don't know why this point is so difficult for you to grasp.
Put it this way: if you needed surgery, would you trust a doctor with zero medical knowledge or experience, but with a great deal of "common sense"? Would you trust this man to cut your body open and tinker with your internal organs, based solely on the fact that he demonstrates excellent "common sense"?