Right, we generally assume that if you hold a certain amount of money you can opt-out from protections both because the risk of you losing money is lower (you p

Right, we generally assume that if you hold a certain amount of money you can opt-out from protections both because the risk of you losing money is lower (you presumably are a bit more savvy) and the cost of damages is relatively lower. That isn't some great scheme to keep the common man down. It's to protect the average consumers from the kinds of crypto scams that are advertised daily, even on little cardboard signs around my own neighborhood.