Am I correct in assuming that this is a rhetorical question intended to make a point along the lines of, "If you didn't have to work hard to pay for your schooling, you don't know what true stress is"?
If so, I strenuously disagree. Stress is all relative, and the difficulty of adjusting to adulthood comes from the change, not the absolute situation you're in.
I won't deny that working to put yourself through school is going to be extremely difficult. But if you've been holding down jobs since the age of 14 to help your family eat, it's just more of the same. It's difficult, but there's not much adjustment to be made.
On the other hand, if you lived a nice stress-free life with your wealthy parents helping you out at every turn, and then suddenly you're 18 and on your own and you're starting to realize that your professors don't care who your parents are and you have to buy food yourself and you might actually need to look for a job at some point because mom and dad won't support you forever, that's a big adjustment. The poor guy might kill to be in your shoes, but that doesn't mean it can't be just as stressful, or more, for the rich guy.
You can certainly argue that it shouldn't be stressful, that the rich guy should take a moment to reflect on how fortunate he is, and be happy. But that's not what happens.