Almost every shitty thing young people do is due to their education. The other is social pressure but again the one applying the pressure also lacked proper education.
Which I tend to agree with. Sociopaths due to genetic differences are, IMO, extremely rare as to be a non-factor. But childhood abuse and/or trauma is the biggest reason for people becoming violent, unsociable or generally evil.
SBF just seems like the stereotypical kid born in a very rich, connected family, that got every material need fulfilled, but lacked something crucial to develop a mature and critical understanding of how the world works. This is often seen in children of ultra millionaires, growing up completely divorced from reality and how other people live. I imagine people like him thinking "oh, fuck, so sorry I lost you a million dollars. My bad. You still have a few mil in stocks to tide you over until I get you your money back, right? Right? What do you mean your parents are also broke?"
There is a lot of chaos in nature too though, and I think even with great childhood backgrounds there are some individuals that just want to go a different path, for better or for worse.