So the contention is, that in the Colgan case, if the pilots had been paid more money they would have made different personal choices with reference to their commute or would have moved to Newark. They would therefore have been better rested and responded properly to what amounts to an unnoticed degradation of airspeed,
Yes. Guaranteed? No. But had they been better rested there's certainly a higher probability that that would have noticed the airplane was entering a bad aerodynamic state.
...had that airspeed and configuration oversight still occurred they would have executed properly a basic maneuver taught at the private pilot level....because they were better rested.
Unlikely. This addresses training and skills, both of which the NTSB found deficient.