Status Updates From Time Loops & Meet Cutes

What is it with characters just immediately jumping to the most wild conclusion that something magical is happening to them despite the fact that we are to understand that this is not a world in which any of this is normal for anyone, and then they believe this conclusion they've reached instantly with little-to-no basic scrutiny?

This drives me insane. I suspect its to get the plot moving ASAP, but it irks me.