Touche, the websites did operate well and efficiently, which would have taken coding skills. I guess I should have called him an idiot for leaving that much in a hot wallet. So I would suppose stupid but gifted at programming is a better way to describe him. Also a liar for telling people he would back up funds with his own and a liar for saying he wasn't going to keep that much in the hot wallet. You could also argue a thief, depending on what you believe happened to the coins.
This is the sticking point with me. TF was smart enough to know that you can't fully secure anything, and even if you make it so hard it isn't worth it, there's always social engineering. Leaving that much sitting around was foolish, and I don't think he's a fool. Maybe I'm giving him too much credit, I don't know.