Is this so different from what we see in humans? Most people do not think very creatively. They apply what they know in situations they are familiar with. In unfamiliar situations they don't know what to do and often fail to come up with novel solutions. Or maybe in areas where they are very experienced they will come up with something incrementally better than before. But occasionally a very exceptional person makes a profound connection or leap to a new understanding.
Sure we make small steps at the time but we compound these unlike AI.
AI cannot compound their learnings for the foreseeable future