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The probability there would be a musk i.e. someone born to money that doesn't lose it all, has one success, then believes they're not a statistical certainty, is very high.
It's not that he's stupid but that he's not really that smart.
But nor are most people. Hence his unknowing fan club.
He was a poor university student like everyone else, had student debt like everyone else, and his business success seems to have come from rolling profits from his previous venture into his next one, and this domino starts from very modest beginnings with Zip2.