Intelligence varies incredibly wildly in humans. So much so I think IQ might be a logarithmic scale.
But at a system-scale view of intelligence, humans are squashed together and it plays a pretty small role on outcomes. You should much prefer being rich than smart if your goal is 'success' by most metrics.
Not at all. I have to learn how to talk very differently to people on both ends of the IQ range. Wealth is a terrible proxy for IQ because it doesn't actually correlate very much due to accidents of birth and interests. Just look at Terrance Tao vs Trump's idiot sons.