The main reason why they have too much because they are smart enough. If you are poor its your problem
I don't think this is fair to say. A lot of people are born into a rich family and will just inherit wealth from their parents and grand parents. It doesn't really has anything to do with being smart or not. Sure there are some people who get rich by themselfs but a majority of rich families have been rich 50 years ago, or even a 100 years ago. Just look at old money vs new money.