The title implies that "if you're smart, it's up to luck whether you end up rich", yet the opening of the article states that what the article is actually about is whether "the most successful people (the richest of the rich) were actually smart or just lucky".

These are two very different things, completely different topics. Whether the richest dozens of people in the world deserve to be / are smart is a very different question than whether it's just pure luck whether a given smart person ends up rich.