Dick in canon: has had multiple jobs (bartender twice, museum curator, male model that one time, a c*p, an acrobat trainer, a personal trainer, etc) and did the Titans finances when he left Bruce's care. He managed his own money and used it to help those in need (buying his apt building so the tenants could stay and Clancy could keep a job, helping the homeless, wondering how he could make a tent city better and safer, etc). He made his own car that could change bodies as opposed to asking Bruce to pay for it. He bought a boardwalk to invest and lost it and was broke and still refused to ask Bruce for help financially.
Dick in fanon: He dOesN't KnoW hOW mUch a BaNAna COstS
Like I get it is supposed to be fun and silly, but a large basis of Dick's character is that he refuses to be controlled, especially not by Bruce. By making it seem that he is some ignorant rich kid is such a disservice to his character. He has entire plots revolving on how he wants to help and not be attached to Bruce. He has the safety net of Bruce and he knows that of course, but he knows it isn't his because he didn't earn it. Like he doesn't even ever refer to it as his money- it is always Bruce's money or the Wayne fortune.
I don't understand why anyone wants to make Dick into some airhead, ignorant heir. If they want a batboy who is a spoiled rich kid, Tim and Damian are literally right there.