That's a very valid point!
Besides the billion dollars or the fame, there is another question I've asked myself a few times when I've been in a speculative mood.
Steve was famous for his "bozo bit". You could be his greatest hero one day, and the next day he would flip the bozo bit on you and you were the scum of the earth.
When he told me "you couldn't possibly program these microcomputers, they are completely different from the mainframes you've worked on," what if I had pushed back and shown him they weren't so different and I could do a great job with them?
There's a possibility he would have learned from that experience, realized he was mistaken in his snap judgment, and improved his relations with other people he worked with.
Of course that may be wishful thinking. And being Steve, he probably still would have had a bozo bit. But maybe he wouldn't have flipped it so often! :-)