I think you are describing a cognitive bias, a tendency to think in a certain way; a tendency to make decisions and act in ways that are anything but rational.
There are many cognitive biases, as there are fallacies, and there is some crossover.
Confirmation bias: The tendency to look for information that confirms our existing preconceptions, making it more likely to ignore or neglect data that disconfirms our beliefs.
Perhaps you want to believe people know as mush as you do, and that is why you are surprised when they don't.
Curse of knowledge: when better-informed people find it extremely difficult to think about problems from the perspective of lesser-informed people.
Myopia bias: seeing and interpreting the world through the narrow lens of your own experiences, baggage, beliefs, and assumptions.
Your frequency fallacies mean something different.
Stereotyping: Expecting a member of a group to have certain characteristics without having actual information about that individual? Maybe because they are your friends, you have stereotyped them as knowing everything you do.
Cognitive biases are complicated, and there are hundreds of them. I'm sure there is a specific one that applies to educated people believing more people are like them than not. But I can't find it at the moment.
There is a fallacy called a Hasty generalization which may fit your situation : if A is true for me, and for someone B, C, and D that I know, it's true for everybody.
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