The real issue isn't your lack of money, looks or status; it's your fear of being rejected. You are so worried about saying the wrong thing, looking foolish, or being rejected that you've buried your true charismatic self under a layer of politeness. You are trying to hide your insecurities, but women can feel that 'vibe' from a mile away.
When you sit across from a woman, you aren't really there. You are in your head, overthinking, filtering every word, wondering if she likes you and if you're 'good enough.' This self-doubt kills the tension. You come across as 'nice' but boring. She doesn't feel a spark because you aren't showing her a real man; you're showing her a carefully curated mask of a man. As long as you are hiding behind your mask, you will only ever attract low-quality women who are looking for transaction or unnecessary drama.