Depending on one's age and where they are in life dating may just be for FUN and they're not looking for a lifetime commitment.
In the U.S. not many women would have a hard time dating a "Trust Fund" man. Ultimately they know at some point he will inherit wealth.
Most young women could care less where the money comes from that a guy is spending on their dates.
Everyone wants to be with the most attractive person they can attract whether they base that upon physical attributes, finances, popularity or whatever. We all have our own "list of traits" we want.
Odds are if a woman is with a man it's because he has "something" she finds attractive about him. We may never know what it is.
One's confidence and self-esteem plays a large role in whom they date. Most likely no one is going to go for less than they (believe) they can have or based upon the effort they're willing to expend.
If there were two cars in the parking lot. One is a 2015 Audi 6 and the other is 1972 Ford Gremlin. A person is told they could have either one of them. Nearly every person would (choose) the Audi! However if told to get the Audi 6 they must run a marathon. Many would choose to take the Gremlin or go home without a car.
Did they "settle" for less???
The reality is we always go for whatever is best based upon our internal "Cost VS Reward". The person (choosing) the Gremlin determined it wasn't worth (the effort) for them to run a marathon to get the Audi. They may not believed they could make 26.2 miles/42.1 kilometers.
Some women and men want to be "needed" and being with a person who has their act together makes them feel insecure. Others enjoy having a "project" to develop. Lastly there are some women who don't care about how much money a man earns. If he is good to them they're happy!