Pretty much homegirl. Unfortunately people will make excuses all day. It ultimately comes down to a fear of rejection.
When I was making $35K a year, wearing jeans and tees to work, scruffy, taking the bus I was hollering at girls because I ultimately believed that i was that dude or had the potential to be regardless of my current situation.
I once bagged a chick wearing a lime green cast for my broken ankle and using crutches.
Making $60K, going to work dressed in trousers, dress shirts and ties and its the same story. I'm gonna put my bid in regardless. If you decline its on to the next one. If you willing to kick it with a real nikka, get to know one another and build however...lets do it. Dudes need to start believing in themselves because generally if youre polite human beings arent that rude or off putting. Just be respectful and open your mouth to blurt something out. It works fellas.