Achieving PHDs, etc. takes time, money, effort and ambition, but not necessarily intelligence (no offence, Doc Simon!).

What a bloody stupid comment, do you know what a PhD is ?

As for intelegance, well..... yes it does, you may split hares about the degree of intelligence however I have not met too many rocks or vegetables with PhDs, or even BSs for that. Did you know that the national drop out rate for doctoral degrees in the US is 50% ? Do you think this outrageously high dropout rate is because people are too lazy ? It is not !

Oh yes and for the record, having money is not a prerequisite for entering into a PhD. I went through the system with out a bean to my name. I do not come from a family of doctors or even a wealthy family.