Literally the only thing I can think of that would make Phil "smart" is if he took a good hunk of his income every year and put it into an investment portfolio rather than constantly spending everything he has.
-If Phil was smart, he'd have faded into obscurity like countless other of his contemporaries, especially given his relative lack of ability as an entertainer
-If Phil was smart half the internet wouldn't immediately know the name "DSP"
-If Phil was smart he would've given up years ago rather than pigheadedly continuing
-If Phil was smart he wouldn't have developed an entire cabal of retarded supporters and "trolls" who will throw thousands upon thousands of dollars at him for no reason
-If Phil was smart he wouldn't be able to stay up until 3AM drinking gin then wake up in the afternoon and wander his ass into another room of the house to make hundreds of dollars
-If Phil was smart he never would've considered the idea of putting on a vest for money, perhaps one of the most consistently effective streaming gimmicks I've seen
-If Phil was smart he wouldn't be a 38 year old streamer still making a healthy living in an arena almost exclusively dominated by people a decade or more younger than him
I mean, friends, I don't know what kind of life you guys are leading, but I'm sure as hell not getting paid 4x the average American income to fuck around on a couch for a few hours 6 days a week.
Sure, in a more existential sense he's in a sham marriage, he's unfulfilled, he lives like a hermit, he's petrified of intimacy, and in the long term he's going to almost certainly be screwed since, again, he refuses to invest for the future, but in an objective sense his lifestyle kind of makes me personally wonder if maybe I'm the idiot.
Just saying, for all the shit Phil does that serves as an excellent example of what not to do, at the same time his popularity (or infamy, perhaps) and financial success that's resulted almost exclusively from his complete inability to ever stop and consider he could be wrong no matter how blatantly obvious it is also serves as a lesson that a lot of times being smart or talented is less valuable than being persistent.