Intelligence and street smart/financial sense are indeed two different beasts, but I wouldn’t say one is better than the other…but I understand you’re trying to make sure people don’t think it’s “out of their reach” if they feel they have a lot of study.
In the math science fields, we teach critical thinking skills—to foster better decision making skills and better analysts.
I think the people skills you mentioned are the hardest…some of those are natural to some and simply unattainable for others.