When the Pokmon TCG does Gold Secret Rares in the Sword & Shield era, the pattern seems to be that Golds that use a card type/mechanic (Arceus VSTAR, Zamazenta V, Zacian V, and the Start Deck 100 Gold Galaran Bird Vs) depict the standard Pokmon while Golds that use no card type (think the Celebrations Mew Gold as well as the Golds from all main series sets except Sword & Shield base) depict the Shiny version
They don't always have flavor text, but when they do, it allows Wizards to directly inject the important story beats onto the cards
Normally, one of the problems with Villainous Wealth is that how good it is depends mostly on our opponent's deck, which is something we can't control
However, there's no need to spend thousands for this card with so many cheaper reprints available
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And if you've got too many cards on hand to draw, you can temporarily tuck them away by tapping Gustha's Scepter