Learn English – the word for knowing how to use something (phone, car, etc), but not understanding how it works

For someone with money, "wealthy" is the obvious answer (and connotes various kinds of abundance).

For someone with social resources, "influential" or "well-connected." If you want to suggest that they don't often use these resources, but that people would do things for them if they asked, you might need a more specific term describing the nature of their standing, such as "respected," "popular," or "well-loved." If it's just because they're powerful, then maybe "powerful" or "important."

For someone with intellectual resources, a person who knows a lot of things might be "knowledgeable" or "widely-read," or they might be "a polymath," a "jack-of-all-trades," or a "renaissance man/woman." Or they could be "clever." "Clever" is sometimes used as a subtle insult (or as conspicuously faint praise) to refer to someone who has intelligence or problem-solving skills but uses them for trivial things.

One of the best words to use in your situation is discerning, which denotes exhibiting keen insight and good judgment; perceptive.

That person is discerning, since he always knows what makes other people tick.