There doesn't need to be a dichotomy, I'd love to see wealth distributed on a bell curve but I don't think that's realistic (and I don't want the government enacting policies try to enforce some arbitrary distribution of wealth). Wealth is tied up in a lot of advantages - better schools, more opportunity for leisure, etc - that themselves tend to lead to more wealth.

> should those born with average intelligence automatically be doomed to lead lives of poverty compared to others?

Nobody born with average intelligence is doomed to a life of poverty so I'm not sure what the point of that straw man is. I think it's a fact of life that someone of average intelligence will have a harder time amassing great wealth than someone of exceptional intelligence. I'm pretty sure my intelligence is at best slightly above average and I don't see anything wrong with that.