You misunderstand me. I played a ton of GTA Online on last-gen, that isn't the issue.
But fair enough. I'm not talking about penalising people; being able to port your character to next-gen was never a given (and the 100 hours you spent for paid off when you played the game on last-gen, because that's why you did it). I genuinely think everyone would have more fun if they got to keep their XP (and everything that comes with that, like missions and weapons) but started from a relative ground floor in terms of money and vehicles. A lot of rebalancing has happened with GTA:O's missions, and the heists are on the way. It seems like a shame to me if people don't have the incentive to do missions and importantly heists because their accounts are packed with millions. Not that they won't be fun on their own, but I think the tension of wanting a large payout because having millions is a rare thing will be lost.
In any case have they confirmed your money transfers over? That was tied to your GTA account, but I've only heard that you can port a character. We'll see, in any case.