Sorry, anybody can participate, even people living paycheck-to-paycheck. For example, instead of buying that $5 Starbucks, save up and buy a share of $SBUX which is currently at $54.53.
So your solution for living paycheck to paycheck is to simply not live paycheck to paycheck. It's surprising no one's thought of that before.
While you probably are poor people at Starbucks, most of them don't go there.
Last year alone I went to Chile, Sweden, Romania, Czech Republic, Germany, Belgium, and Ireland. Don't make assumptions about people and things you don't know. Have I traveled more than you?