A while ago I was thinking it would be cool to tell a story of an alternate timeline where Bruce still had his training and his drive, but didn't have his money. I like to keep things as close to the canon as possible so rather than saying he's just not rich or something I started thinking, how could he get to be poor, with his training, and maintain his motivation... The answer. Alfred. Alfred is integral to Bruce being rich and not having his stuff taken from him. What would happen if Alfred just couldn't withstand the temptation of taking Bruce's wealth?
My take is that Bruce goes abroad leaving Alfred in charge of all his assets. Alfred falls to temptation and takes all of Bruce's assets. Bruce returns home to find he is completely broke, no college degree, and supposedly no skills. He's homeless and is forced to live on the streets with only what he had with him coming home, which wouldn't be much. Leslie Thompkins might play a bigger role, Alfred might become a villain, Dick might become a street rat become and eventually Robin.
So what other changes might result from this?