If a man has money, he doesn't need to be an incel. I'm actually interested in learning about incels and what holds them back. So far, from what I have seen the common thread is parents, especially a single mother that impedes her son from growing up. Why anyone ridicules them is beyond me.
Beyond that, I would imagine that some have a Norman Bates from the modern version of Bates Motel kind of thing going on.