The correct option is (d) I and II.
Money cannot buy a pollution-free atmosphere or protect you from infectious diseases, as these require collective action by the whole community.
The textbook (Public Facilities chapter) explicitly states: "your money cannot buy you a pollution-free environment" and "money may also not be able to protect you from infectious diseases, unless the whole of your community takes preventive steps." High-quality education (III) and a luxury home (IV) can be purchased with money, so they are eliminated. Statements I and II are the correct pair.