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 Switzerland ranks as the smartest European country, scoring 81.1 out of 100 . 
https://www.eureporter.co/education/2024/02/02/the-top-15-smartest-european-countries-belgium-ranks-seventh/ 
 Ask them what's happening in their private banks  
 Someone has to keep all that dirty money. Might as well leave it with some smart people.  That's also old news. A lot has changed in Swiss banking practices in the last 10-15 years.  
 TL/DR, You have no clue 
 Good to know we're generally not a dumb nation. Totally flawed but not dumb. I'll take it. Haha.