If a decision is smart due to having access to non-public information, that is more a question of ignorance than intelligence.

I can think of all sorts of successful decisions that would definitely be stupid for a normal person to try, due to lack of connections, access to money, high risk, etc.

And maybe to expose my own lack of intelligence, I've always thought eg Robinhood was incredibly dumb. I never in a million years would have thought of the idea of creating an investing app, since there are already many of them, from far more reliable and trustworthy sources. And yet Robinhood has made its founders billions.