And there are usually ways you can exchange money for help with those things. Special schools and programs for those with different mental or behavioral issues (this one often doesn't even need extra money, if your school system is adequate). Temporary leave for extreme cases like hospitalization. Day care or babysitters or nannies.

Think about those first 5 years of life and summers you bring up. Obviously there are normal mechanisms that these parents used in these cases in the past. Now they're unavailable. And you have contempt for the parents because they didn't anticipate that all of these options could evaporate all at once. Please.