Just because they're billionaires does not mean that they're smart enough to improve the human condition, even their own. They're billionaires because they are

Just because they're billionaires does not mean that they're smart enough to improve the human condition, even their own. They're billionaires because they are good at making money, often by exploiting the environment and/or humans. It doesn't imply that they know how to spend it well even to save themselves in the future.