Where does your ‘willing suspension of disbelief’ stop?

Not to turn this into another Star Wars thread, but why are you assuming that Rey never piloted a ship, or that Finn never trained in melee weapons? Rey was a tech scavenger raised by a guy who owns a used starship lot, and Finn was impressed into the military as a child and spent his entire life learning how to fight. Those backgrounds are both more than sufficient to explain the skills they show on screen.