That doesn't square with empirical reality. Evolved biological systems appear to be optimized for robustness to perturbations, not efficiency (John Doyle argues that there is in fact a fundamental tradeoff between robustness and efficiency, for all types of complex systems not just biological).
> how do mammalian brains problem solve using just thoughts.
They don't. Sensory input is required for brains to learn new classes of problems.
> find a way to train RNNs that are able to adapt to new problems
Is this something different than multi-task learning?