Really. If you want people to read what you write carefully, take the extra few seconds and use something resembling the English language - I know you're capable of, at the very least, spelling 'you' and 'are'.
If you don't feel the point you're trying to make is important enough to present it clearly, why should anyone else even think it important enough to read it?
Even so, if I understand that poor butchered language of yours properly, you consider a 7->8 commerce boost better than 3->4 - and I really can't see how that works. I can't help but feel you somehow consider "the more you have, the more you need" somehow applies to commerce and/or beakers, and, well... it makes no sense!
(Note that I'm using beakers and commerce assuming a 100% ratio between the two in the following example.)
Let's take a small empire bringing in 35 beakers per turn, from five tiles with 7 commerce. This has a 200-beaker tech taking six turns to research.
If we add 5 beakers due to the financial trait, we end up at 40. The tech now takes five turns - a turn earlier! Great!
Next, let's use an aristocratic farm-empire of the same diminutive size. It brings in a pitiful 15 beakers per turn, from five riverside farms of 3 commerce each. This empire needs 14 turns to research the tech above.
We add financial, again with five beakers as a result. With 20 beakers, the tech takes 10 turns to research. Wow, four turns earlier!
Here, we see that the farming aristocrats gained more from the financial traits: They cut a flat 4 turns of the tech, where the cottagers cut only one turn - adding a flat number of beakers is much more useful for those who don't make as many.
While that was a simplified example, nowhere near the complexity of the actual game, it still illustrates the fact that financial does more to help those with lower commerce gains, as long as those are above the threshold of 2 for a tile.
If you'd like to explain under what circumstances the 7-commerce-cottage-user would gain a larger benefit from the trait than the farmer, I'd love to hear it.
Bear in mind that I've said nothing on the farms-vs-cottages issue - it might well be true that going for cottages is a better idea as a financial leader, in the end. (A mix of the two might be optimal, I imagine.)