Both of your examples are poor.
Dan Bricklin had earned a B.S in computer science from MIT and was studying for an MBA at Harvard when he wrote a software program that was useful for businesses. He had a very good background for the product that he created.
Elon Musk was able to send his rocket into space after he hired a team of smart engineers to build it for him. His engineers benefited from the knowledge gained from NASA research that cost (when adjusted for inflation) hundreds of billions of dollars.