There isn't really a distinction between the two; they are the same sentence with different frames. However, if you don't let smaller players into the market t

There isn't really a distinction between the two; they are the same sentence with different frames. However, if you don't let smaller players into the market then they'll be fleeced using some other mechanism (for example, taxed and then handouts given to the wealthy). If access to markets is expensive then small players won't be able to save at all since any method that lets people invest exposes them to risk, and once risk is involved larger players will outmanouver smaller ones. Damned if you do, damned if you don't but giving people easy access gives people the best shot at achieving prosperity.