> Money buys houses in good school districts (or a spot in a private school) which buys fewer highly-disruptive peers, a much better worst-probable-outcome for available peer groups, and a safer (=less stressful) environment
I think this might be a myth. This is anecdotal but my experience is that the "rich kids" have just as many problems as the poor ones. They just receive less scrutiny unless they are public figures.
I grew up in a middle class area outside SV. The supposedly rich kids were often just as messed up as the poor ones. Its like the stereotypical "Preachers Kid."