At the time Cheapside was an area for those who had made money in buisness but where still having to take an active role in the running of the buisness.

Cheapside was a food market, period. The Gardiners lived in Gracechurch Street, which was renowned for its beautiful and rather exuberant shops, as recorded by contemporary writers. It was also in a different part of London.(you can find the quote in Alison Adbergham's Shops and Shopping if you look. Please do- it's wonderful book that starts with Jane Austen's shopping habits.)

Bingley though his father ( an probably grandfather) had made the money (from trade )he no longer had to be an active part in the buisness.

Yes, but he could still be involved. Although Jane Austen says he inherited property to the value of a hundred thousand pounds, he may well be still looking after it.

Darcy is Family money, which means that the estate provides most of his funds, though some of it would still have come from other sources

Again, what makes you so sure? Why couldn't an estate have provided ten thousand a year? Or two estates? Or a mine and an estate? Or investment in industry plus an estate? Why does he need a platation?

Bingley is in fact an old English term .

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