Akuperma, halachicaly speaking, yes, most of them are definitely “really Jewish.” I’m sure you know that anyone with a Jewish mother is Jewish. Also, how can you “look like a goy?” What does a goy look like- white, black, brown, rich, poor, american, arab, chinese??? Be more precise.
Regarding your substantive point, firstly, there are many frum businessmen, diamond dealers, professors, and millionaires. As long as you’re not in kollel, you can be frum and become rich, the expensive lifestyle notwithstanding. Ever hang around Monsey and see all the mansions??