Gold Digger or Realist ?

In my looong 20 years of living...i never understood why guys call some females gold diggers...?! I looked up the definition for gold digger and came up with : A woman whose primary interest in a relationship is material benefits. A woman who cares more about a man's bank account than she does the man. Hmmm...ok understandable. But correct if im wrong but isn't most guys intentions in talking to a women is  for sex ? So females main reason is material benefits and guys is sexual pleasure ? But guys dont get a name for there use of the female body..other than dog. But girls are called gold diggers ?!

Who doesnt want to marry rich and be taken care of for the rest of their lives ? I think any female will choose the "financial stable" guy over a broke down ass guy...sorry no offense to those out there in that situation but really...why do want a girlfriend when ur not even financially secure ? I do date guys off of there caliber and personality and it doesnt hurt for them to be a lil'rich...I think im worth it !