Don't worry about the little guy, he won't buy in until after 10k anyway! When he realizes he could have paid the house off if he would have just bought 10 bitcoins at 1k. Then he will dump his whole 401k into it! Realized losses are the worst losses! Why do you think its so hard to even buy bitcoin? If it is to succeed, The big dogs can't be having all these rich little dogs fucking with their status quo, trying to be members that their establishments and clubs. The same reason why you need 25k to be an accredited investor or 6m+ in account holdings to be offered pre IPO stock. They don't want you in the club! So stay strong and Hold on tight!
You bring up a little discussed but important aspect of bitcoin. Anyone can compete with the big banks using bitcoin. All other investments have long ago been gamed by big players. As you mention, the criteria for being an "accredited" investor is insulting and shameless. You just have to be rich, that's all. You need to have a net worth of over 1 million and make $200k+ per year.
The stated reason for this is that the "little man" simply is not smart enough to handle investing and must be helped to invest by banks. Whereas a rich person is obviously naturally intelligent. It sounds like satire, but this
is the reason why you poor people are not allowed to invest for yourself.
Bitcoin destroys this and allows anyone to enter the market at the level they can afford.