imo ICOs should provide an equal opportunity to everyone. The accredited investor system only widens the gap between the rich and the poor.
But then again, someone with fewer means is more prone to losing everything in such risky investments. To prevent this from happening we could have something like an exempt market dealer, but for crypto? They will vet & assess new ICOs for the general public(or the non-accredited investors), to protect them from ponzis and find suitable options according to how much risk they can handle.
This would require extensive regulation of crypto. Maybe one day