I think it's the latter. I think we fall for them because of the journey they went on to get the money they have. The story would never be as satisfying if they were just rich. Hudson started off with practically nothing but he made something of himself. Christian was a broken little child before he became the powerful and successful man we all love. Gideon had his own demons but none of those things hindered them becoming the heroes we love.
I'm really looking forward to reading the rest of the chasing fire series and I can only hope you all love the heroes I give you as much as I love the heroes my favourite authors have given me.