Generally, people can be categorized in three kinds
I don't think human behavior is simple enough to be categorized into just three kinds. What about the lazy people, naive people, people with no ambition, people who're capable of doing things but don't have the resources, people who're bad at risk management, etc. The list could go on.
It is my basic assumption that, when people do something great, money it self comes as reward.
The real world doesn't work like it does in fairy tales. Sometimes bad people are rewarded and good people lose. There are also people who've chosen not to profit from their inventions/discoveries.