I personally think common sense is more important. You'd be amazed at how many people could have avoided a really bad situation just by using some common sense. I have a cousin who is a genius but I swear he doesn't even look before crossing the street. He started a business with this guy that he met and somehow the guy ended up being a fraud and ran off with $1,000s of dollars. Common sense would have told my cousin that when someone mysteriously never has the money from the clients on him, that maybe somethings up.