I think the idea of an "external reality that follows certain rules and humans operate in" could itself be a kind of evolutionarily-advantageous belief, even if it's not actually true in a quantum physics sense. In other words, we become capable of science and technology only after assuming there are scientific rules to be found.

There are many concepts like this throughout human history - another one I'm thinking of is the (in the West) monotheistic idea of narrative history/time. By framing time as something that can have a beginning and end, you enable or at least incentivize "progress", and mentally unlock the ability to work toward some idealized future, rather than accepting that time is cyclical and/or without some notion of moving forward.

I dare say the phenomenon is real and our understanding is lacking.