I told you a billion times not to exaggerate: I have seen several reports that his net worth was in the $2 million range. That is not "independently wealthy," even without children. I have also read that he owned two airplanes, not three, but none since 2009 (repossessed?, and that he was a very low, high roller.
LOL. well, you go right on with your theory, then.
Paddock was obviously broke, and committed this massacre for money.
Except for the fact that he had NO escape plan, and NO way to collect his payoff, your theory makes perfect sense.