Another way to look at this is - why is it that some fish refuse ? It is perhaps at least possible that most fish refuse. Maybe it is aggression, or desperation, or curiosity, or maybe something entirely unconsidered as of yet.
PT Barnum understood how to lure people into biting. Many today can charm you right out of your money still. It could be said that they are targeting people and ensnaring them into a trap. Fishing for suckers. That by the time the victim figures it out, it is too late. Many times greed is used as the lure. Carnival workers show this huge stuffed animal. Your greed has you wanting to cheat him out of it for a mere quarter. Never stopping to consider that it is he who is doing all the cheating.
Other animals have tricks, and the angler fish depends on being able to trick fish. I agree that fish probably do not use wisdom and study when biting, rather pure instinct. I mean if they did think, we probably would have far fewer pictures to see.
I would also offer that we have a huge role in all of this. Bass Masters are known for certain techniques. Crank bait specialist, worm guy, jig, spinner bait. They become more proficient at using one type of lure over all the others. You need to consider that as you noodle this question out.
Maybe they will bite this one……