I think we need to stop going back to "Naina would have left Sameer if Chachaji didn't agree" or "this alliance would not have happened if Sameer was not rich" or "Naina is lucky"
Let's take a step back and just be happy for Naina.
Naina broke up with Sameer because she didn't have the courage to tell her family and she felt she was breaking Chacha's trust. And yes she would have married Sharad because she couldn't open her mouth and she carries the burden of Anand-Bela raising her as their own and will not go against him. AND Sameer would have married Sunaina and that would be a different story.
But here we are.. destiny gave Samaina another chance to be together in the form of Chacha-Sameer confrontation and Chacha finding the love letters, leading to him accepting their relation. And they have not looked back.
If Naina were to leave Sameer at the drop of a hat, she would not have run with him and hid in the temple and come back to face the family, that too in the absence of the very same Chacha.
She would not have lost hope when the families were waiting for one other to apologize. Whereas Sameer told her in clear terms that if Rakesh didn't apologize then that was going to be their last conversation. Here I would say destiny again played a role in the form of Sameer hearing M&T convo about their evil plan.
Coming to if Sameer was not rich, then obviously he would not be on the road begging or just wasting his life doing nothing right? He would have a job or he would be doing something to earn a living. Why would Chacha have a problem with that?
Finally is Naina lucky? She is lucky to have found a guy like Sameer who loves her with all his heart and can do anything for her. And he happens to be wealthy is an added bonus 😊. And there is nothing wrong with that. Many people in the real world happen to be as lucky as Naina and have a rich, loving husband and in-laws.
So let's just be happy for Naina and Sameer and see what life has in store for them for the future.