(MONEY Magazine) – Benjamin Disraeli said: ''As a general rule, nobody has money who ought to have it.'' The 97 readers who criticized your article ''Paying AIDS' Cruel Cost'' ((July)) don't deserve to have MONEY either. Bravo for your courage in printing an examination of the financial cost that AIDS is wreaking on Americans. How heartening it is to enrich one's portfolio and one's understanding of society through your magazine. PAUL MACCABEE St. Paul, Minn.