> In general, wealthy people make up a small proportion of the population and tend (though not always) towards greater intelligence, or at least education, than the average
That they make up a small proportion of the population is indisputable. Just check disposable wealth demographics. That they tend toward greater average intelligence than many in the average is certainly much more debatable, but at least in terms of access to better education resources, yes. Though I think that yes, on average, many of those who made their own wealth are better at problem solving and planning than the average.