I don’t think it’s IQ so much as time. I’m into crypto and can’t even be bothered to learn how to use them all! If someone has no interest in tech they’ll be even less interested.
Let’s assume you’re smart enough to know that btc, eth and Neo exist. If you know nothing of these coins but know only one will succeed which do you learn? If you’re not the right type of speculator the smart play is to wait and see then learn.