Manager Jurgen Klopp says Liverpool are a "different club" to some rivals in the transfer window as they are "not owned by countries or oligarchs".
The Premier League champions have only signed Kostas Tsimikas for £11.7m, while Chelsea have spent about £200m.
Klopp says "uncertainty" created by Covid-19 is "less important" for some.
He said the Reds have had success "by being the club we are", adding: "We cannot change that overnight and say, 'now we want to behave like Chelsea.'"
Klopp told BBC Radio 5 Live: "Clubs are in different situations and we are living in uncertainty in the world.