"If you would have asked people in the 70s if the most influential software of the coming decades would be written by lone wolves in their garages or a group of very smart people with a lot of resources, they would have bet on the latter. But the smart money turned out to be on Gates, Jobs, Wozniak and countless others."

This is a myth. Gates, Jobs, and Wozniak were all smart people (Harvard, Reed, genius) with a lot of resources (access to mainframe as a student, access to Silicon Valley infrastructure and talent, which emerged originally around military contracts and DARPA grants.)