Couldn't we have something like the "Accredited investor" concept for a certain class of loan? E.g. if interests are above a certain rate? I can't buy certain

Couldn't we have something like the "Accredited investor" concept for a certain class of loan? E.g. if interests are above a certain rate? I can't buy certain financial products even if I'm educated because I'm not an accredited investor, but anybody can lose more than what they have freely.