I would argue that Jamal’s knowing the right answers falls into my category of a Premise Coincidence, much the same way that in Die Hard, John McClane just happens to be in the building when the villains attack, or in the original Spider-Man, Peter Parker just happens to get bitten by the radioactive spider. In each of these cases, the coincidence is the reason why the story is happening.

Agreed. Everything else is simply a device.