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You should watch Ironheart. Riri Williams is a black girl from inner city chicago, and she built a suit of power armour in her garage. She has a lot of money problems.
Also, in the comics Moon Knight is rich, but in the MCU he works at the London Museum gift shop.
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.
Stark and Wayne need to have the financial means to do their thing at that scale because they're not magic. A mid level manager of a domino's would be far less convincing in those roles. If you add magic to the mix, income becomes less relevant. The royal nepo god baby Thor could be dead poor as long as he had the hammer.
I'm not sure if the Equalizer franchise is based on a comic. That would be an argument for a more relatable living situation for a former super soldier who isn't magic. He just enjoys working at a Lowe's.
I say that for Batman and Tony Stark, their super power is their brain. They design these gadgets that turn their brain power into brawn power. It only makes sense that someone as smart and innovative as that could easily start up a successful tech company.
And I'm pretty sure the first iron Man suit was built without any access to money.
The first Ironman suit was built by taking components from (probably) multi-million dollar missiles, and many other comments provided by an overly rich asshole benefactor.
And that’s ignoring the ongoing costs of maintaining the suit, or R and D on new suits, nor the costs of liability and litigation when you fuck up and accidentally murder an innocent.
So no. It’s not even close to a possibility in any context where reality can’t just be dealt with through handwaivium.
Ironheart did it.
You could create different backgrounds, other than rich, and still make the stories pretty similar. It'd still be different though. I don't know that you could change any major factor of a character and argue that they aren't different.