[verelo]

...and they get trapped there! That’s the issue. But then again, if that’s the case are they really so smart?

[wutbrodo]

They presumably wouldn't agree with your definition of "trapped". To reiterate the GP comment, the claim is that going into finance or law is individually rational for many smart people, but globally suboptimal at the levels we currently incentivize it.

[diegoperini]

That's a harsh simplification. There can be other reasons.