Just thought about something common to all animals (including humans): instinct - defined as:
1. an inborn pattern of activity or tendency to action common to a given biological species. 2. a natural or innate impulse, inclination, or tendency.

When fish attack an earthworm on the hook, instinct takes over because there's something about that live, non-aquatic, wiggling creature that smacks of an easy meal.

When fish strike lures, IMO the strike is impulsive with zero thought, prompted by 'an inborn pattern of activity or tendency to action' - consequences be damned. Instinct minus caution = captivity and/or death. It's no wonder herons have such easy pick'ns when it comes to shallow fish swimming around their legs or me and another dude catching 140+ fish last time we fished - many from schools.