This world is full of corrupted people so in order to maintain your economy , IMO you need smart and strategic since they are mainly the key factor of your success on the future.
Yes.. it need some time to learn them step by step but it's not impossible that one day you can master them all for your own good !
It's a bit like you're saying. It's rare for a strategist to not be smart at the same time and it's rare for a smart person not to plan ahead, and planning is a strategy, right?
That's why you need to be both, smart and planning to efficiently handle money, be it in trading, gambling, investing, even loaning.
Also, it's worth mentioning that you can't choose to be smart, you either are or you're not, but you can choose to think ahead and plan your moves.