Iron Man and Batman can only do what they do because they have the time and access to resources to do it. Guardian from Alpha Flight, for example would be something like “Working Class Ironman.” Common engineer who found out the mining suit he was building was going to be sold off to the military so he stole the prototype and became a superhero. He’s kind of an “Iron Man’s brain, Captain America’s heart” kind of character, so if you wanted the non-rich Iron Man, it exists, it’s just not Tony Stark. Tony needs to be rich or he’s not Tony Stark.

Same with Batman. The Shadow is a former soldier who uses stealth, martial arts and magic tricks to fight crime. But he’s not Bruce Wayne because being a billionaire playboy is what makes Batman possible.

Why recharacterize heroes with totally new backstories when the not-rich version is already a different superhero.