It's definitely a form of gatekeeping designed to ensure "stability" for the wealthy, but a poor person who gets a good return isn't going to become wealthy unl

It's definitely a form of gatekeeping designed to ensure "stability" for the wealthy, but a poor person who gets a good return isn't going to become wealthy unless they're extremely lucky. It enables a lot of wealthy people/organizations to play with poor people's money and get paid very well regardless of whether they're successful or not.