Comment by EggsOnToast

The upside of crypto currency is the amount of agency it currently gives to the holder. The downside of crypto currency is that as personal agency increases the protections from making bad decisions usually decreases. Ulterior motives aside, of which there are a few, the historical reasons that Joe Average is blocked from certain types of investment is because he was making enough bad decisions to warrant aid. Whether or not it's right to impose restrictions on Jack Everybody to protect Joe Average depends largely on your political outlook.