Chelsea were under a transfer ban last summer, but are making up for lost time this year by spending well over £200m on Hakim Ziyech, Timo Werner, Ben Chilwell, Thiago Silva, and Kai Havertz.
City, meanwhile, have never hid from their financial might and have already signed Ferran Torres and Nathan Ake in this transfer window for around £65m.
Liverpool have signed just one player, Kostas Tsimikas, from Olympiacos for £12m.
"Clubs are in different situations and we are living in uncertainty in the world," Klopp told BBC 5 Live.
"For some clubs it seems to be less important how uncertain the future is because they are owned by countries, owned by oligarchs, and that is the truth.
"We are a different kind of club. We reached the Champions League final two years ago, won it the following year and won the Premier League by being the club we are."
Klopp claims he is focused on improving the players already at the club rather than putting all his attention on new recruits.
"We always want to improve the squad but there are different ways - one way is to sign new players and the other way is to work together, improve the things you were good in and try to nullify the things you are not good in," he added.
"That is football. No-one wants to talk about training and only about signings."