The subtext of this argument is 'poor people have no morals, therefore they are always criminals and would never be heroes.'
Which we all know isn't true, so lets just not argue about it, okay?
To blame superheroes for being millionaires because that made interesting characterization is just as daffy. The Tim character was clearly intended to be a mini-Bruce from the beginning. Rich nobility running around as 'good' criminals hunting other 'bad' criminals fits the Gothic theme of that particular title. You'd think it'd fit the rebellious Robin Hood theme too, but somehow wealth always seems to be a phase that crazy Green Arrow just goes through, less a 'what he is' than a convenient method of making sure he has goofy trick arrows when he is in that mode.