Yes, everyone has a world model even a toddler has a casual model (“cry → mum comes”).

This is the opposite of a world model and is very much how machine learning works. It's purely correlative without some underlying theory (the world model). The article's (absurd) example of a person not being a mushroom gives a simple example of a "violation" that having a world model about the kinds of organisms that exist would catch. It's not at all pattern matching, nor is it science in any sense about understanding things from first principles, it's about having an understanding of how you imagine things work that you can sanity check against.

Maybe the question is about how much of the world model they're conscious of.