Why does it have to be about big cash? Yes, I know teams that come down have parachute payments and that gives them an advantage, but that doesn't automatically rule all the other sides out. In fact, quite often there are sides that come down that struggle, despite the extra money. Ipswich have done remarkably this season in their first season back.
There is still the opportunity for teams that are run well, have a plan etc to do well in the Championship.