From personal experience, I have great wealth, and it certainly did not come from intelligence or hard work. I see it as only a gift from God. For what reason, I have wondered? The only thing I can think of is because I have absolutely no love for money. I remember a while back, looking at my financial statements and exclaiming "How useless!!" I am lazy, I want to make life simpler. I have tried to reduce my top line by giving hundreds of thousands away, but it has been an exercise in futility. As quickly as I try to drain my assets out through the bottom end, it just keeps pouring in the top end faster than I can get rid of it!
My kids mock me because I buy all my clothes from WalMart, and keep my cars until they are 20 years old! None of my wealth makes any sense to me, other than that passage in Deuteronomy. Today I checked out the new residence I anticipate moving to. I already own the land. It is a patch in the local cemetery. :)