Lol, implying women are attracted to money is not a stereotype that only an incel can attribute. Comedy often pokes fun at stereotypes, of course without trying to offend.
I don’t think the joke is “… literally placing the blame …”
The joke is more light-hearted than outright “blame”.
“Incel” is a modern word with negative connotation, that I don’t think need be retroactively applied to all things related to rejection or attraction from a woman.
It ruins the joke.