While I agree that Marvel likes to give heros more outright personal obstacles, I don't think it's fair to write DC off as fluff. While their hero ideas didn't start with novel personal problems, they have added them along the way. Especial as Bruce Wayne goes.
I mean, if you really get: Tony Starks is rich, Xavier and the X-men are rich and have a jet, most heros (Parker, Reed, Banner, etc) are either very smart or outright geniuses, Nick Fury has an entire army at his back, Captain American doesn't have all that much in terms of baggage, Dr. Strange......I don't really know.