That wasn't my point at all.
Yes, you need money to engage in the dating process. You need money to do anything. It's sort of the hierarchy of needs at play here. But you still need to make the effort to make yourself desirable, even if you have money.
I'm a field technician. I make decent money. I'm not rich or anything but I can afford to take a girl out on the town. But for a year after I started working, I just couldn't get a second date. I made changes to myself. I started exercising. I focused more on my appearance and got clothes that fit. I updated my apartment so there were fun things to do for visitors. I hung up art. I changed by dating channels so instead of creepily hanging out at bars I went to local singles events and made profiles on multiple dating sites. I stopped jerking off as much and didn't spend all my free time looking at weird porn.
I've been with my girlfriend now for 3 years. We bought a house together and own two cats. She's not only the love of my life but also my best friend. And to meet her I had to fix myself. I'm STILL fixing myself.
And that, at the end of the day, is the incel's downfall. They will never make those changes. And until they do, they will always be alone.