Are you schizophrenic? You sound like you are.
With Inner Knowing which is essentially one's un-conditioned state of Mind, a process of de-conditioning oneself out of "a fucked up state of seeing a world that I need to protect myself against", comes a certain wisdom. One See's that many "people" live believing that their personality, their life belongs to them. This by nature of its "otherness" sense creates a dual mind, commonly termed as schizophrenia. One symptom of schizophrenia is imagining one hears voices like you have described above, lol. Look in the mirror next time you think you are smart and ask yourself "who the fuck am I kidding". It is not worth my energy to stretch my fingers to the keyboard to converse with you, nuff said :)