What's really interesting is that if you are (far) less intelligent than the average person you should almost certainly destroy it (assuming you can't just give

What's really interesting is that if you are (far) less intelligent than the average person you should almost certainly destroy it (assuming you can't just give it to someone smarter than you.) This assures you don't do something stupid and guarantees everyone else is at least a tiny bit better off (because their money is now worth more).