This isn't even a hot take, it’s just a hard political truth in Westeros. Lannister gold can buy sellswords and temporary alliances, but it can never buy the kind of absolute, generational loyalty that the Stark name commands.
The second Tywin died, House Lannister’s power immediately began to rot because it was built entirely on fear and debt. Meanwhile, the Starks can be completely stripped of their castle, and northern lords will still gladly march to their deaths in a winter blizzard just to seat a Stark back in Winterfell.