Wow... lots of wrong here and not much right. Okay kiddies, it's time for a few protips:
1. You can't turn a ho into a housewife. Stop trying. If you're with a girl who goes for the assholes and you are not an asshole and it's not going well, just give up -- she won't change anytime soon enough no matter what you do.
2. Money has no place in true love. Period. Any non-marriage or non-living-together relationship that factors money into the equation AT ALL is not true and will probably fail or end up being a relationsh*t that is devoid of emotion (i.e. sticking together 'just for the popularity factor.' You see this a lot in high school and sometimes college.)
3. For the girl, a guy's looks usually ARE a factor. Not as much as it is for guys looking at girls, but it's still there. How many dog-dick-ugly dudes do you see trotting around with perfect tens on their arms? Zero. Even with 7's or 8's? Not many. For that matter, how many average Joes do you see going out with perfect tens? Again, not many. It IS relative.
4. For a guy, a girl doesn't have to be a perfect ten to warrant going after. The media/pop culture makes it seem that way but it's not true. Plenty of 'average' girls are going out with plenty of 'hot' guys. Actually, the real factor is willingness to put out. Perfect tens are usually very popular and have high self-esteem, which makes them less likely to put out, which makes them less desireable for the average guy. Of course, there are exceptions to this rule -- every now and then you get a perfect ten who is also a total slut and will sleep with anyone. But this is usually because of insecurity issues from family or past boyfriends.
5. Girls that like nice guys also like assholes to some extent, and may even cheat with one just to see what it's like. It's true, so get your heads out of your asses and deal with it. If you're a nice guy and you've been with your girl for a while, even if she loves you, chances are she has considered what it would be like to go out with your asshole friend. And she might even act on it, usually behind your back. In fact, she might have already and you'd never know it. Trust me on this one, I've seen it happen to friends and have had it happen to me. At least 70% of people that get cheated on don't even know about it until months or years later. And I'd guess that at least 20% don't ever find out. Of those that get cheated on, at least 50% of them are cheated on with someone they know, be it a best friend, relative, boss, gym buddy, etc. The percentages for 'with people you know' are usually higher for guys that cheat; they tend to be more prone to cheating on their current girlfriend with one of her hotter friends.
6. People do change over time. Girls will go for nicer/less attractive guys as time goes on and they get older, unless they're just that dumb. After a while the hot assholes will get old, and girls will slowly migrate to nicer and nicer guys who are willing to work harder to make a relationship work (or work harder for them, to achieve their own ends. See the next point, 'Personal Agendas.')
7. Personal Agendas, everyone has them in some shape or form, and they do factor heavily into new relationships. I find that most couples start out from trying to fulfill their own personal agendas at the time; usually the two meet, the guy wants to get laid and the girl wants someone to hold her and spend money on her. Sometimes these people change and drop their personal agendas and it becomes a real relationship. Sometimes they don't and they split up after a few months. But every now and then, one of them might drop the personal agenda and try to make it work, but the other will still just want whatever they were after, be it sex, money, or company. These relationships are doomed to failure, because after a certain point one party will get tired of the other and move on, while the remaining party is sitting there wondering 'what they did wrong.'
I think that's enough for now...