It's not just employers that are enforcing constraints about what you can do with your own money; the government also does this. Like how in the US you can't in

It's not just employers that are enforcing constraints about what you can do with your own money; the government also does this. Like how in the US you can't invest in a startup via crowdfunding unless you have a high net worth (which is a requirement for becoming a certified investor). The government is basically saying; you're not rich, therefore you're an idiot and so you shouldn't be trusted to make your own financial decisions.