https://en.wikipedia.org/wiki/Smart_contract
> The phrase "smart contracts" was coined by Nick Szabo in 1996, and reworked over several years. Szabo's first publication, "Smart Contracts: Building Blocks for Digital Free Markets" was published in Extropy #16,[3] and then later reworked as "Formalizing and Securing Relationships on Public Networks."[4]
Also, your prior shouldn't be too high: although Szabo is well-known from his writings now, they didn't come out of nowhere. He previously worked for Agorics, Inc., which was founded to develop these ideas: https://e-drexler.com/d/09/00/AgoricsPapers/agoricpapers.htm... which I think of as more fundamental than Szabo's smart-contracts paper. (Admittedly I never finished slogging through that one.) If you think of smart contracts as emerging from nowhere then it probably seems more likely for Nick Szabo to be the lone genius behind it all.
To be fair, even Satoshi apparently didn't understand the applications of blockchain beyond currency.