Education will never guarantee 100% of people will be successful, I have many friends who are educated and academically very good, when in the IQ test they have high IQ, but most of them are still working with salaries that I think are low, I once invited them to go out and Business or looking for other decent jobs, but most of them do not want and feel comfortable and afraid if they fail.
The point is only one, namely your friends who are still very afraid of failure and maybe they also don't have their own experience in opening a business even though they have a high IQ. And it could be that the high IQ that your friend has is only about the theory of lectures that he has memorized, while there is absolutely nothing to try.
And according to my assessment for them (friends), you still don't deserve to be called have a high IQ because they are still afraid to try something related to business problems.
So that they still want to survive under other people's orders until now.
They are smart but lack of thinking, their thinking does not want to take risks and just want to settle down, go to work and earn monthly money by letting other people use their brains. I still call them smart people but not brave people, outstanding people because they don't dare to step out of their comfort zone to create something bigger.
It is almost impossible to change their mind, unless they have problems with their current job, or are cornered, they will activate their own instincts. For people with high IQ, it will be great if they can do business and be their own boss, they will be the big boss of the future.