> Increasingly it's seeming that I will probably not be worth billions of dollars in my lifetime, for no other reasons than I'm too much of a coward and I'm too discriminating with what I actually work on

I can't tell if you're wildly underestimating how many circumstances are outside of your control or just have an extremely high opinion of how much of an outlier you are (or maybe this isn't meant seriously and just went over my head), but I think that there are vanishingly few people (if any) in the world whose only impediments to a high likelihood of becoming a billionaire are self-imposed. I don't think that even extremely smart and charismatic people are particularly likely to do that. For every one that reaches that level of wealth, there are far more who try and fail, and it's not always because they weren't willing to work on shady things or weren't smart enough; some factors are just beyond the ability of an individual human to overcome, and you might just be lucky or unlucky.