Unless they are metahuman - probably, yes.

There are exceptions, like The Punisher, but he’s not really a “super” hero (at least, not in any of the media I’ve consumed, which is admittedly not very much). Heroes like this are great at saving the day, but its just not believable that they can save the world or the galaxy or the universe.

Iron Man without money is some dude in a garage who spends his lifetime building the arc reactor and the Mark I. By the time he’s gathered enough resources to build a Mark II, he’s already 60.