Why make a distinction between retail and individual investors? Either it's rigged, in which case it's almost certainly fraud, or it's not rigged and that means

Why make a distinction between retail and individual investors? Either it's rigged, in which case it's almost certainly fraud, or it's not rigged and that means it's not exactly "house-always-wins". Like I said, making it so only certain people can participate in the market seems like the last step, not the first.