There are no requirements for wisdom or smarts when it comes to love. Love is an emotion, not a plan. It's based on the feeling of love, doesn't originate or grow out of some reasoning of the brain. When one feels it, one feels it. It's an emotional, bodily response to another person. What one chooses to do with it, once it is there, might be governed by better judgment, but not necessarily. It is a strong impetus, capable of making fools of us all.
Even wise people can fall in love foolishly, without thinking through obvious impossibilities in the relationship which are nearly bound to sabotage it, especially if it's followed-through and is all wrong at the base. But love is not a discerning capability. It is a caring one and can as easily be a response to a person who is 'wrong' for one, as to a person who is perfectly appropriate and well-matched. Timing is a factor, too. Someone who would fit and match perfectly is still a wrong choice if he/she has moved on in life and has other major commitments.
All the social setups humans have ever devised to try to make sure their people are exposed ONLY to appropriate mates have fallen short over history and probably will continue to. The heart sees beyond those controls and recognizes a kindred heart.
I think that being able to feel love is a privilege and has value of its own, whether or not it is or can be honoraby consummated. The experience of genuinely feeling love for another human being expands one's heart, soul & ability-to-respond (responsibility) as a human being oneself. A bond of love transcends its restrictions.