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Batman: I could see a street level Batman without as many gadgets in a more rudimentary batcave still be Batman. I think this is because if you take away all of the wealth Batman is still Batman, an excellent detective with extensive martial arts training who enjoys terrorizing criminals.
Iron Fist: that's a title, like Ghost Rider or Spawn there are other Iron Fists that are not rich. So while not exactly the same there are some Iron Fists that are not rich.
Iron Man: I don't think Iron man without money would work. Either you would have to change a core detail of him or it wouldn't make sense that he's not rich. The main defining characteristic of Iron man is his suit, which requires an extraordinary power source. So either he doesn't understand the power source (e.g. it's an alien artifact) or you would have to explain why he doesn't sell products with a similar power source and becomes rich.
The problem with Batman and him having extensive martial arts training is the fact that to have extensive martial arts training like that you have to be wealthy. To travel the world to do the sales to train and all the styles he did typically requires a certain level of comfort in order to afford the luxury of not only traveling but then spending enough time to master those things while at the same time feeding yourself and taking care of yourself. Not only that but the amount of gadgets he has is definitely high level. If he weren't he'd be closer to like say Daredevil who lived a comfortable life but had nowhere near any money to do all the training he did. Daredevil fortunately has a superpower in his hearing and sense of sight through that. Iron fist was much the same way. Extensive martial arts training because he was rich enough to go get the extensive martial arts training. Ironman is definitely one that needs to have the money. I mean we have the example of iron heart who was not very rich had to rebuild everything and wall yes genius level had nowhere near the resources to build the many Mark versions of her suit and we can see how much struggle she's had to even maintain the one she currently has. Which she did have to steal to be able to get in the first place.