There is no way a net worth of over four hundred billion Earth dollars is not "rich." Yeah, net worth and liquidity aren't exactly equivalent, but your statement on that has exactly zero relevance here.
As far as intelligence goes, there are certainly ways to become rich without it. But Musk didn't do it any of those ways as far as I can tell.
I totally get why people would say he misleads people and his stated wealth is inflated as a result. He has enormously overpromised and underdelivered, no doubt about that.
But I can't understand saying that is the only element of his success. Forget about his blather for a second. Tesla has sold millions of cars. SpaceX has done hundreds of successful orbital launches. You can't fake that.
Is he entirely responsible for those successes? Of course not. Could Tesla and SpaceX have achieved those things if the only thing Musk brought to the table was a relatively paltry amount of money? I really don't see how. You're telling me that this guy founded rocket company with $90 million that two decades later accounts for more than half of all orbital launches on the planet, and he's a talentless hack and only succeeds because he's willing to lie and his fans are too stupid? That doesn't add up.