You just proved me right again. Why are they assuming her wealth will be there for the husband/kids to fall back on? What if she decides to gamble it all away? Or bequeath it all to a charity?
I think I already answered your second question, but again, here goes: I married a total “kangla” who by the grace of Allah turned out to be the most hardworking, honest and sincere man I’ve ever known. And Allah SWT has rewarded us with a
very comfortable and secure life.
A person’s wealth can change, their ghatiya sonch cannot.