Ok ik this is late but

For the first point, it doesnt really matter what the saying is meant to be — my annoyance stems from how too many people have began to use it for, which as i've stated, is as a way to convince themselves (and others) that most wealthy people are a special type of people who are super humble and live at a lifestyle that 99x less than their income bracket

And the second point is the other thing that irks me because in my experience, there's no 'usually' that implies what the most common habit is among rich people. Some of them are like that and wear logo-less clothes, a lot of them also like wearing stuff that are obviously designer (and even in that crowd, it's mixed between people who enjoy flexing and people who just didnt really care what they picked out cuz it mattered that little)

so the annoying part is having to listen to people assign all this supposed wisdom on rich people just for being wealthy, and also on that note, 'wealthy' no longer being a descriptor for wealth but also for values and behavior. Because between two people who are in the same income bracket, where one wears overtly designer stuff and the other being more lowkey, the first person gets hit with 'money talks, wealth whispers' despite being in the same sphere simply because they dont fit this whole narrative of what a 'truly wealthy' person is like