Abhinav is intelligent and has worldly gyaan. Has theoretical knowledge of varying subject. But he is not 'street smart'. But he definitely is balanced and knows how to deal with people in the real-world.
Though Rubina has courage, she really isn't intelligent. She doesn't have a calculative mind, or is she sharp. She is too naive. She doesn't even looks like she know how to deal with people. Yes, she can answer Rahul, but she doesn't know what to do with Jasmine.
That "superiority complex" tag is the biggest misunderstood thing about her.
Some people do not like taking panga, they don't want to deal with negative stuff, so they are very careful, protective and keep to themselves. This is the entire reason people think they think too much about themselves. While all they want to do is mind their own business. I can relate to that.