Oh, I agree. The difference is no other asset class that a non-accredited investor can put their money in has even remotely close to the same growth possibility

Oh, I agree. The difference is no other asset class that a non-accredited investor can put their money in has even remotely close to the same growth possibility as Bitcoin. IRAs, 401ks, stock indexes, and other asset classes don't do much other than protect you from inflation. You can pick specific funds or companies, but their value is more or less correctly priced and you're just gambling if you try to pick and choose, because you don't have inside knowledge. Bitcoin (cryptocurrency) is different, because it hasn't been priced yet by investors who truly understand the technology or its implications. It's like the stock market for web companies in 1995. As an analogy, we're maybe in 1996 or 1997.