What is now apparent is that a huge gap exists between cognitive understanding and mental understanding of certain issues; yet one would never know the difference between the two unless he had first-hand experience on the matter, and the inconsistency of his (painful) experience drove him to search for a deeper meaning behind the paradox. In a sense, it is like said in the old proverb, "when the student is ready, the teacher will appear"; nevertheless, the sentence is still inaccurate in this situation as it does not mention the overarching fact that the student cannot know whether he is in need of such knowledge - or if that knowledge exists at all.
I admit that the paragraph above might seem abstruse, but it is somewhat hard to illustrate the point with a suitable example. A key thing to remember though, is that you will never know for sure whether you truly understand something; we tend to subconsciously generalize our preconceptions to a larger context without careful consideration of the consequences, and that's probably how the fallacy is formed.
P.S., I am not exactly sure whether I can disclose what the said certain issues are at the moment; but I do consider them to be worthy of serious exploration, and expect to have further discussions when I have some free time (should in October / November though).