IMO, how smart a person is, is not determined by IQ, knowledge, etc, but what one does with what one has. For example, a person who has a low IQ, but thinks before taking action and does what he/she can to make to make a decent life for him/herself and family is smarter than a person with a high IQ who does stupid and often dangerous things just because he/she can.
One of the smartest guys I ever met has limited math skills and couldn't get into college to save his life. However, he works very hard. He works in construction and always wears ALL of his PPE (Personal protective equipment) on the job. He always wears his seat belt in a car and never uses a cell phone while driving. He doesn't drink and drive and rarely drinks at all. He makes sure that he pays his bills and has necessities before buying wants. He refuses to have credit cards and he takes excellent care of his cat. This young man knows how to have a good time safely too. Last time I saw him was just before getting separated from my x-wife. He lives in our old neighborhood.
Many people have been blessed with higher IQs, better education and many other advantages. Yet, they do stupid things, some of which have resulted in injuries to themselves and/or others. Sadly, in some cases, lives were lost needlessly.