She means that you're missing the point of reality checks.
Some people don't have it easy like you. They can have an outrageous dream, and still be entirely cock-sure that it's reality.
A reality check is designed to
(1) spark lucidity by the action of questioning it
(2) confirm if it is a dream or reality by, for a moment, assuming it's a dream and checking if you can prove otherwise.

It has nothing to do with intelligence.
Practice can eventually eliminate the need for reality checks. But they still remain useful when you can't be sure.