Some examples of (US) usage: A: You're rich, so in this country you'll be treated like royalty. B: What if I'm poor (how would I be treated then in this country)? " can also be used here, but it sounds a little formal and stuffy.
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langtravelerI wonder if there is any difference which can be made by the tense in 'what if' clause.Whatever difference there is in the tenses, it doesn't have anything to do with "What if". You can use any tense that makes sense.