One of the reasons for widespread misunderstanding of behavioral health conditions is pop psychology. People say, "I'm depressed", and think having the blues when some rather trivial life event happens is the same thing as clinical depression. This does a great disservice to people with actual mental illness by greatly minimizing their symptoms and causes, and eliminating the opportunity to understand physical causes. Just one example.
It's kind of like saying you and your neighbor both have heart disease, when what you have is a self-diagnosed heart murmur and your neighbor is dying from Congestive Heart Failure.
Ignoranceisbliss, I think you're on the right track with your hypothesis. There are also known risk factors that are more prevalent within dubbery (stress, lifestyle), and protective factors that are minimized within it.