passing exams does not guarantee you riches and neither do riches guarantee you happiness...the biggest fallacy that society has, is that if you are educated then you will do well economically. That is why you will see university professors on TV acting all entitled to big money/salaries/perks coz they are educated.
The only way education can make you rich is by you selling what you know (what you are educated in) to people who don't know and need to know. Unfortunately the world is not designed like that. It designed to get educated people employed and work 8-5 five days a week.
Dumb money becomes dumb only when it listens to smart money