I was agreeing with your comment until the last sentence. Wealth is stable access to money, which is a fungible resource. Used appropriately, it can provide access to stability that would otherwise be inaccessible. Without such a resource, other factors of instability more likely to be chronic or even inescapable.

Education is actually much more important than wealth. So is city and community infrastructure, a positive family environment, etiquette / upbringing, values passed down, positive / helpful relations, mentorship, trauma free environments/mental health, and good social practice. Wealth is a very small part of stability.

Can we ever really know if we are using a resource appropriately?

I’m thinking of the story “The Chinese Farmer” as told by Alan Watts.