If you used the same techniques used by IQ "research" peddlers to invest money in the stock market, choose startup founders or business managers — you would go bankrupt with a probability of 1

That's just wrong, because if it's true I could do the exact reverse and earn money with probability of 1....

Not really, you can't easily revert high volatility negative EV strategies, the transaction fees and interest will kill you.

I would say the most valuable benefits would not be measured in currency.

not my downvote btw

Right, and there is a well-known correlation between IQ and life expectancy/mortality rate....