The obvious response to your middlebrow "if you're so smart, why didn't you make as much money as them?" dismissal is "if they're so smart, why are two of them

The obvious response to your middlebrow "if you're so smart, why didn't you make as much money as them?" dismissal is "if they're so smart, why are two of them in jail?" (ironically Neumann probably listened more to his lawyers than SBF because he wasn't such a high IQ nerd...). You can be intellectual and make decisions which are fucking stupid (in this case that applies more to the bagholders), just like you can be intellectual without the charisma, lack of scruples, connections or even ambition to pull off a multi-billion dollar real estate scam.