Lots of things other than those two can differentiate people: Gender, sexuality, race, age, even different interests or being neuroatypical. We're all different. It's when we have intolerances or prejudices against certain things that we encounter problems I suppose. But sure, money differenciates us.
Some of it is attitude though. Not all wealthy people treat poorer people like scum! Some poorer people treat everyone like scum! Some people change entirely when they come in to money, others don't. We're all different I guess.