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I don't think you're 100% right. Getting in F1 was always about talent + financial solutions. Yes, they could buy their own cars before, but that doesn't mean anything. Only great drivers would get a top car and paid for what they were doing, and only rich kids managed to get there somehow. Nothing changed. Anyway, those bargaining tools always implies talent or capability to become an inspirational leader, etc.
Nowadays, commercial considerations can get you a Minardi or Jordan seat; for 1 year. Definitelly can't get you a top drive. However, you can get a drive that way but promote to a higher level if you're backed by all those bargaining tools you mentioned. See Weber for example.
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