Two things are needed to be likable -- you must possess the likability gene, and you must not know you possess it.
You wonder if people with a winning personality worry that they are liked just for their personality.
If there's one question that's always answered eventually, it is why you didn't like someone at first.
Personally I would never want to be liked just for my money -- although I would not refuse money for that reason.
Although dictionaries do not usually define "to understand" as
"to like," that is usually what people mean when they ask to be understood.