I don't see how Born Rich is a problem. The player spends extra Build Points (10) so he can spend more points on resources. Note that the investment in Born Rich doesn't grant any direct advantage to the character, just the potential to spend up to 10 extra points on gear. Assuming the character maxes out how much he can spend (I imagine most players will), he's spending twice as much for that extra 5K -- and the benefits of the quality drop even more if the player chooses to spend less Build Points on resources. So when a player buys Born Rich, there's at least 11 less Build Points -- and quite likely 20 -- that won't go elsewhere (attributes, skills, Resonance, etc.). It seems a player is setting himself back by taking Born Rich; that extra bit of money may come in handy, but that comes at the cost of inherent strengths.
We can split hairs on whether it's technically a quality or not, but honestly, is it a problem? Feel free to explain if I', missing something.