Days of finding a quarter under your pillow are long gone. The Tooth Fairy no longer leaves loose change. Kids this year are getting an average of $3.70 per lost tooth, a 23 percent jump over last year’s rate of $3. And that’s a 42 percent spike from the $2.60 per tooth that the Tooth Fairy gave in 2011, according to a new survey by payment processor Visa Inc., released Friday with an update of the company’s Tooth Fairy personal finance app. Part of the reason for the sharp rise: Parents don’t want their kids to be the ones at the playground who received the lowest amount. “A kid who got a quarter would wonder why their tooth was worth less than the kid who got $5,” says Kit Yarrow, a consumer psychologist and professor at Golden Gate University.