I didn't see it in the OP, but when encountering the Hag (in Hook Mountain Massacre), I was not afforded the opportunity to test my wisdom prior to the attack. That happened multiple times with the Goblin Warchanter too (in adventures 1-3).
My guess the problem really is the non-intuitive way Obsidian revised characters like the Hag and the Goblin Warchanter to work.
When you encounter these monsters, certain cards will become covered with chains.
This does not mean you cannot use these cards.
Instead, it means that when you try to use one of these cards, you will then be prompted to make the necessary check to successfully use the card.