Money is a precision tool, not a blunt instrument; it functions as an accelerant for those with the intellect to wield it.
If you possess the cognitive capacity, capital indeed buys access to refined environments, health optimization, and the resources to nurture a stable, flourishing domestic life.
Yet, observe the typical trajectory of the unrefined: hand them prosperity, and they inevitably devolve into a caricature of excess.

Success is a structural test.
If you are intellectually stagnant, money simply subsidizes your eventual ruin.
True wealth requires the high IQ necessary to manage fortune; anything less is merely a temporary loan.

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