Regarding the rich husband - where you went wrong was liking Mr B. from the outset. Now, if only you'd hated each other whilst being attracted to each other, with a year or two of misunderstanding leading to an unwilling alliance, SURELY he would have turned out to be not only actually lovely and wonderful, but also distressingly rich and so desperate to marry you that his veneer of reserve is finally exploded.

That's how you do it, isn't it?