to elaborate, federal financial regulatory gatekeeping is more about "not-rich people have life altering consequences", but to get over those hurdles and make y

to elaborate, federal financial regulatory gatekeeping is more about "not-rich people have life altering consequences", but to get over those hurdles and make your own choices is based on a baseless wealth and intelligence gap. and of course, the observation that not-rich people have plenty of ways to lose their money in systems with negative expected value, so why apply that to financial systems with positive expected value.