[adventured]

That's a spot on point about the various types of luck. The common derogatory saying about smart / rich (referenced in the title) reveals more about the person saying it, than it does the person that it is directed toward. It's the surface assessment equivalent of thinking someone is rich based on the car they drive (or watch they wear etc.). It's a shallow & easy appraisal that someone runs because they're either incapable of deeper analysis or are too lazy to bother. In my experience it tends to reveal that the speaker knows absolutely nothing about money or wealth.