> who has the most time and money

Or what matters most - who is willing to put in the effort.

You already have 6 hours a day in high school. Don't need more time than that. As for money, that's not needed either. Your high school math books will do. There's also the public library, the Kahn Academy, youtube, etc.

Having a more centered economic distribution amongst children is a good one. It is non-sensical and anti-meritocratic to have a large enough skew amongst child starting positions as to render meritocratic testing irrelevant.

It's possible our declining academic performance is simply another artifact of rising inequality.

Yes, let's solve the problem of skewed student assessment by solving inequality. Your solution is far less tractable than the problem!

Or is it? we generally know how to solve inequality - we don't know how to solve student assessment. Higher taxes and rising inflation/interest rates reduce inequality.