JBL did it better? You lost all credibility, end of story. Nobody in their right mind could say JBL did the rich guy gimmick better than DiBiase, NOBODY. I said it before and I'll say it again, JBL couldn't even fathom getting the type of heat DiBiase did, and that's because DiBiase was pure, unadulterated evil. JBL was just a rich asshole.
Unless you mean he literally didn't stuff money down others' throats, you just seriously contradicted yourself. On the one hand you're arguing that he bragged he was a self-made millionaire and that he entered his matches in limos, and then the next sentence you claim he didn't rely on being rich to grab most of his heat? While JBL did other things to garner heel heat, most of that heat primarily came from his, "I'm rich and therefore better than you," attitude.
...What?
Long story short, two different eras, same guy, except DiBiase was better, original, and more genuine (and that's despite the fact he wasn't actually a millionaire).