Jane Austen herself lived her life unwed, and the character whom shared her name in P&P also finishes the novel unwed.
It is my opinion that P&P is Austen’s way of saying “if these are the players and this is the game then I am uninterested in taking part”.
From this reading, instead of Mr Darcy being the perfect man he’s the perfect example of why Jane chose to forgo participation in the marriage practice of the day.
TFA’s focus on finances, I feel, is just another example of one such reason provided by Austen to highlight the insincere process.