You have a very shallow analysis if you ask me. Not meaning to offend, but Sakura has been caring about Naruto since the bell test. In fact, no even before that. She cared about him as a friend since ch 3. But if you mean romantic-wise, well it takes time for feelings to develop. You don't just look at someone and fall in love, that's not the way it works. Naruto and Sakura have development. If she started to love him now romantically, it honestly wouldn't surprise me.
btw, gold digger is more like Ino. She's shown interest in Sasuke (even in her last conversation w/ her dad), Sai, Naruto, and Shikamaru.