Take the dumb IQ 85 son of wealthy parents. He will go to the best schools and he will get private tutors to do as well in school as he possibly can. He will not have to work a crappy retail/part time job to finance his education. He has a safety net. His parents will help him to land a good paying job in their company or the company of friends. Perhaps even buy him a house or apartment by the age of 22 or 25.

As a result this kid has more time to invest into a project. More financial resources to invest. More expertise at his disposal through his parents and their connections. Doenst have to spend years to be able to afford to buy a home. He also has the luxury to fail several times without his existence being threatened. He can experiment - be bold - take risks - gamble - take chances and be flexible.

Now take the brilliant IQ 125 son of poor parents. He goes to a random no name school. Has to work a crappy retail/part time job to finance his education. Does not have a safety net. Parents cant help him to land a job or just a crappy one.

This kid has almost no time left besides study and work to invest into an idea. He has 0 financial resources to invest into a business idea. He has no expertise at his disposal through his parents. He first has to concentrate on being able to even afford to buy a home. And he cannot afford failure or else his existence is threatened. This kid has to be super cautious - he cant take risks or gamble or take chances.

No amount of hard work/skill/intelligence will overcome the financial resources of the dumb rich kid. In 99/100 cases the average or dumb rich kid will always do better than the smart/brilliant poor kid. There are outliers who manage it against all odds - but they are a tiny minority.

Jeff Bezos had a rich grandfather that owned 25 000 Acres of land - his stepfather was an engineer at Exxon. The family had enough money to send Jeff to Princeton and they gave him 506 000 Dollars (inflation adjusted) so he could start Amazon. Like 57% of Americans today cannot afford at 1000 Dollar emergency.

I doubt that Jeff would be where he is today if his family was poor and Jeff would have needed to work some crappy part time job and his granddad was not rich and his parents could not have given him half a Million Dollars and he could not have attended Princeton.

Same for Bill Gates who had a wealthy lawyer parent and his mother had connections to the IMB board and Bill didnt have to work a job so he could concentrate on Computers and he had acess to one of the like 5 public computers that existed in the US at that time.

You know the Korean Starcraft Players that spend like decades of their lives honing their SC skill? Well If I got 3x more resources every game then them I would win in 99 out of 100 cases despite having played only a few dozen hours of Starcraft years ago when I was a kid. Because all their skill, intelligence or hard work would be burried by my superior (financial) resources. Never mind If I had 10x or 1000x more resources at my disposal than them.