>" The concept in one sentence: We overestimate the likelihood of events that are easier to recall. "

Yep, very true. That's why propaganda press (whether it is for political gain, financial or legal advantage) works.

Without special cognitive guards, the target population is extremely vulnerable to subsequent ill effects of such bias.

The guards, once developed, are often called (part of) critical thinking.

But I do not think they are universally 'natural'. Some people develop it early on in life (often due to life experiences of being manipulated), some develop it only later in life, some lack them completely.