I do not believe it all happens by destiny unless your destiny changes every time you make a choice. Destiny/destination... that's where you go after making decisions. Destiny is not set, in my opinion.

You said "One thing about smart people of this generation is that they tend to manipulate others for their selfish interest."

I don't believe that to be true in general terms. There are certainly smart people who do manipulate for selfish interest. Though, I'd also argue that the majority of people work toward self-interest. That's how one survives...

Nonetheless, working hard should be matched with working smart. Even better is working wisely. One who learns from their own mistakes is smart. One who learns from the mistakes of others is wise. Applied wisdom is power. Hard work alone can gain wealth, but it's no guarantee. Working smart also does not guarantee wealth, but it's odds increase. Working wisely will have the greatest chances of creating wealth. Wealth can be defined in numerous ways. But, I do prefer wealth over riches.

Writing in Hive won't guarantee riches, but it could lead down roads that produce wealth...