Re: What's my counterpoint for this observation about advantages/disadvantages?
Yes, the question to ask is "Why is this Filthy Rich person just starting out as an adventurer? What has been holding her back?"
Filthy Rich can be a campaign derailer if the GM doesn't account for it - "Oh, our HQ just got firebombed? I can have a cleanup squad here in 20 minutes, and in the meantime I'm hiring armored trucks to transport us to my secret backup HQ." It's reasonable to put some brakes on it unless all the PCs are equally capable in other ways.
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