The child is probably playing a different game than the ancestor who acquired the wealth in the first place. The game the (alleged) idiot is playing is "don't

The child is probably playing a different game than the ancestor who acquired the wealth in the first place. The game the (alleged) idiot is playing is "don't lose the family fortune". If you weren't born wealthy but want to be, you are playing the "make more than you spend" game in one of its variations. There is for example an obvious slow way that might give your children a better shot at the "don't lose the family fortune" game and there are also many also many higher variability games like the "lottery" and "startup" games. Not every game requires the same skills and personality type.