You confuse yourself in many ways...who knows God's thoughts? You are the chosen one not because God think you are prepared, it is because of your own efforts to make you become the best or the most suitable one.
There are many financial scandals were discovered by outsiders. I remember one case is an outsider analyst questioned a public company posted revenue because he believed when the price of a raw material to produce the commodity increased so much the company should not still make such profit. He published his concern and it turns out he was right when people digged it further. Of course insiders have advantage, but that doesn't mean outsiders can be fully fooled. FTX is another example, a small doubt could lead to a big collapse.