The answer to the "chess" thing is "yes, you will get better if you play it for long enough". It's a lot about pattern recognition and the things you've seen in the past. There are certain rules to follow that help a lot - but someone needs to teach them to you first. It's like saying "I suck at crosswords, I will never be good at them" - yes you will, with enough done you'll start to see repeating "crossword words" that keep being used over and over.
Edit: also for the life thing - it's the difference between wisdom and intelligence.
N and B are equal and loss of one depends on the current situation of the board :d
Forks and all of that comes with playing the game. It also comes from the easiest / most approachable way to play chess - puzzles. So far so, that it's insanely popular on Facebook, where some guy pastes an amazing move from the past and a butt-ton of people stop and think about it.
Also, forks and stuff is often overkill. You can get to like 1200 rating by knowing like 4 - 5 moves in the start. Most games are decided by someone making a huge mistake. And in the first matches, that guy will probably be you. But then suddenly you'll notice a huge fuckup and win a game over it. And then the fuckup will be slightly smaller, and smaller, and smaller.
But yah, chess isn't all intelligence, it is a lot of practice and study.