I can only trust someone with substantial experience outside of academia. While there are people who have this and also have a PhD, they're a vanishingly small minority compared to those who have that experience and an MSc.
In my experience, as someone who completed a Phd after a few years working, phds often have richer real-life experience than the 'average' person, and almost always richer than the common stereotype inferred in the comment i responded too.