How Come You're Not Rich?

Megan McCardle asks a great question: If Everyone Else is Such an Idiot, How Come You're Not Rich? and then explores some possible answers. Her thoughts are well worth reading.

I especially love her restraint; I get the sense that if she really wanted to tear into the topic she could hurt a lot of feelings:
If you've found it maybe not quite that easy to make a pile of money by outguessing all these benighted fools, then perhaps you should consider the possibility that they aren't quite as stupid as you are making them sound when you sniffily ask "Why don't they just . . . ?