Not only do they have what money can buy, but the rich, yes, on average are smarter than the poor—and they tend to make better and healthier choices through life. Less smoking and obesity and stronger relationships, for example.
Acquisition of wealth is a LEARNED life strategy. And with the acquisition of wealth, the other attributes (attainment levels of education, better health, longer lives) are natural corollaries. Money may not buy happiness, but total abnegation of wealth does not much improve the score either.
Some 95% of the personal woe in this world is self-induced. People sabotage themselves almost all the time when faced with a path upwards, convincing themselves they are “not worthy”.
But if you don’t watch out for you, who will?