First of all, pre-civilized humans (and especially our pre-human ancestors) were highly dependent on intelligence for acquiring food, and staying warm and dry. The part before the comma is obviously true.
Second of all, modern humans in civilization do not usually require intelligence to eat and stay warm and dry, just like we don't require strength. Many humans do well because of inheritance, or because of familial support (this one was available to pre-civilized humans too), and some modern humans benefit from society-level support (admittedly a minority). And many many humans need only minimal intelligence to contribute to their economy enough to buy food and shelter.
The only tricky part is arguing that intelligence helps us function today. For some people it helps, for some people it seems to hurt. Was that your complaint?
No, modern life provably does not require any of those skills in order to stay fed and warm and dry. For example, zero of my cousins (I have two cousins) have ANY of those three skills, and both of them have survived into their thirties. I wouldn't be shocked if one of them had reproduced, in fact (if so, I pity the female involved).
On the other hand, all three of those skills help to "determine how well we function in these new surroundings" of modern culture.
The minimum intelligence requirements to stay fed and warm and dry, in modern society, are far lower today than any time in the history or pre-history of "humanity". Just like with the minimum requirements for strength. This isn't even a claim about social safety nets. Society is just so rich, food is just so cheap, that you can be a pretty crappy contributor, and even so some other smart guy will figure out how to put you to work, to his profit, and give you just enough to live. It's a good time to be a loser. (It's a great time to be a winner.)
(Oh, and also, I happen to disagree that the intelligence required to understand monthly payments or logging into a website is greater than that for reliably hunting or finding reliable shelter. Interest rates, I'm not sure. But this whole paragraph is beside my main point.)