In wealthy societies money is determinative for how many bullshit time sinks you have to suffer through in childhood.

For example: I almost failed Abitur, which is a requirement for university in Germany. (We very rarely have any admission tests for some reason.)

Given enough resources you can either add private schooling or arrange alternative pathways. You could get an equivalent (less time consuming) degree from a different country that will be acknowledged in Germany.

The no-money route would've cost two or three additional years of standard school stasis in my primes.

Anyway, my bland tl;dr: Money really does make a difference that is not all downside.