You seem to be assuming that there's a simple, one directional causal relationship between "is smart" and "has money" (and also that people who are more intelli

You seem to be assuming that there's a simple, one directional causal relationship between "is smart" and "has money" (and also that people who are more intelligent somehow deserve more comfortable lives). Consider that things other than inherent intelligence might be making poor people spend money on junk food and lottery tickets.