Peter Parker choosing to be a broke, irresponsible adult isn't relatable, it goes against his core message.
I'm tired of the idea that Peter Parker has to remain broke and lonely to stay relatable. I get it, Uncle Ben's death traumatized him, creating this internal compulsion to always be Spider-Man out of fear that if he doesn't suit up, he'll relive that trauma through the people he fails to save. But by letting that fear dictate everything, he ends up sacrificing his personal life (he can't commit to a full-time job and can't maintain his personal relationships).
Ironically, this goes directly against his core mantra, "With great power comes great responsibility," because right now, that rule only seems to apply to Spider-Man and NOT Peter Parker. If anything, it makes Peter LESS relatable because he is actively choosing to be irresponsible in his day-to-day life. He has the power to be financially stable. With his genius-level intellect, he could easily be working as a scientist or engineer for The Future Foundation or Stark Industries, or even make him a journalist if the former options are too unrelatable. Furthermore, he has the power to be a good partner to whoever he chooses to be with, because at his core, he is a genuinely good person. His learning to balance being Spider-Man and Peter Parker only serves to improve his character and not diminish it. Peter Parker should grow up (hot take, I know), and his learning how to handle adult responsibilities would not only make him more relatable but would also make him a better role model for the readers that his story aims to inspire in the first place.
A lot of his problems could be blamed on the "Parker Luck" trope, which I think has become a dumb caricature. Originally, it's a plot device to make him relatable (not having enough money to pay rent, missing out on a date/work because he has to be Spider-Man, etc.), but in the end he overcomes that challenge, learns from it, and becomes a better hero/person because of it. Now it's being used to keep him stuck. Peter Parker encounters the same problems he did 50 years ago, and he never overcomes them; it's just loss after loss after loss, which makes it seem like being Spider-Man is a curse. What's so relatable about that? What are the audiences supposed to learn? That life will keep throwing shit at you, and you will never win, but you might as well keep doing what's right and make a martyr out of yourself? By constantly keeping him broke and suffering, Marvel is downright romanticizing poverty and struggle. Yes, it teaches resilience, but it completely forgets to teach us that we should actually strive for a better life. Overcoming a problem and achieving that better life is fundamentally a better story than being plagued by the same issues forever. To be clear, I don't think Peter should be a billionaire, but letting him be a stable, middle-class working man who is married to MJ is the natural evolution of his story.
Most of these complaints really only apply to the main 616 comics. I'm happy that Spider-Man Brand-New Day, the Spider-Verse movies, the Insomniac games, and alternate runs like Ultimate Spider-Man have actually allowed him to mature. It is way overdue for Peter to tackle adult themes in the mainline continuity, especially because the perfect solution already exists: Miles Morales. I think it's incredibly dumb that Marvel editorial refuses to let Peter grow up when Miles is literally right there to take over the "youthful, struggling Spider-Man" storylines.