It is possible for you to be smart but not wise. If a man is planting an evil seed, though he is ignorant of this, it will not keep the evil seed from growing.
Education is very good, yet, it does not induce wisdom all the time.
Infact, there are many educated illiterates. As a matter of fact, those who are confusing the world, are very educated and intelligent people.
Information is not the same as wisdom. You can fill your head with data, but may still be unwise.
Age is not also equivalent to wisdom. One of my lectures in the university has rightly said, "if beard were to signify intelligence, the goat would have been a genius." so, old age is not wisdom. It is very possible, for someone to spend the whole of his/her life learning the wrong thing. 
A person can be an expert in ignorance. One can learn everything about nothing, without knowing anything tangible. Failure is an orphan. You would always notice that there is nobody, who wants to be associated with failure.
Being a participant of steemit is a smart move, but being wise is making good reward out of it for your creativity.
YOUR POSITION
Your position as a Christian is a glorious and enviable one. You are not supposed to beg anyone. People should seek help from you, because you are operating from the SUPERNATURAL. It is a shame for unbelievers to question your faith, because of failure, or poverty. Jesus became poor so that you could be rich, spiritually and physically.
BE SMART AND WISE!