Yeah, all I'm saying here is that your envelope as Little Lord Fontleroy is a bit different shape than that of Sam the Gardner, but they can both be equally pushed, and for equally rewarding play. You are not magically going to have more fun as one or the other. This is the sense in which I want you to distinguish between player and character. The player's goals are NOT the character's goals, because the player exists at a whole other level where the REASONS FOR PLAYING and its rewards exist, which cannot be goals of the character, as imagined.
Now, you want the player to inhabit the character and not think about 'player stuff', but the character still exists, as it is constructed, with regard to that player stuff, EXCLUSIVELY. So, again, being the player of the rich and powerful Lord, or of the lowly Gardner, is largely immaterial. The Lord, fictionally, may have more fun chasing sexy princesses and eating caviar than the Gardner who's too poor to do much besides get a tank at the alehouse every Friday night. But playing them is, potentially, equally rewarding for whomever wants those experiences.
By this understanding, it literally just makes no sense at all to be concerned about who plays what. Again, this is all modulus they all engage in good principled play and respect each other's fun at the table (again a table issue, not related to characters). And again, there could be genre/trope/tone/premise reasons why everyone is dirt poor, or fabulously wealthy, or such considerations are irrelevant (as they are in, say, most supers play).