What's the Point of Reincarnating if You're Not Going to Use the Knowledge?

Homesis MC is what? At least in her 20s or 30s in terms of mental age right? She's had multiple lives before this one as well. Even in this current incarnation, I thought she was around 10 years old. Why is she so... helpless? The average preteen isn't so gullible and frail. Makes the MC's personality totally unrealistic and unlikable. Hope to see some character development from her soon; she definitely needs it, especially in the middle of a major war. Yikes.