They're born with neural hardware whose architecture has been optimized by evolution. Any choice of architecture imparts some inductive bias, making some proble

They're born with neural hardware whose architecture has been optimized by evolution. Any choice of architecture imparts some inductive bias, making some problems easier and some problems harder to learn, and humans have the advantage that people with bad architectures (those not matching properties of the world we live in) were more likely to die or to not mate. You're right that we don't call those inherited thought patterns memories; we call them reflexes, emotions, region-specific brain functions, etc.