Oh please. You can repeat this bilge all you want and nobody here is buying.
If you are unable to prioritize and make rational decisions, all the money in the world won't help you.
True.
But the reverse is also true. If you don't have any money all the prioritizing and rational decisions in the world won't help you.
There's something else for you to consider.
People are fundamentally and inherently different. Not everyone can be wealthy or successful...or rational and clever. When times are really hard, like during the depression, great numbers of people are really poor. Do you think they're suddenly rendered stupid and irrational as well?
During the dot-com bust I was amazed at the number of "geniuses" who post to this board who started blaming others for their losses and demanding that the "gubmint" do something.
You can repeat this bilge all you want and nobody here is buying.
Now there's a statement that's real bilge...and I would hope that most people aren't buying it.