Ok, that is your situation, and you have my sympathies, but that doesn't change the fact that I didn't have those issues, and grew up in an very calm environment without noisy distractions. And that's not just memory, if visit my family it's still a very quiet and calm space, including during the daytime, and it still doesn't fix my insomnia.

I'm not saying that these can't be factors, but the original question was asked in a way that suggests it might be a general explanation, and it clearly cannot explain everything.