If you are an investor, accreditation rules eliminate 95+% of the population as competition for your investment. That means you will get higher returns and better negotiation terms. Actually, for non-startups (i.e., 99% of new businesses), loans from banks, family, and friends, are the primary form of investment. This method of investing does not require the investor to be accredited.
Neither could employees that have access to internal financials.
Investors are also not entitled to internal financials. They might have a right to financial statement, but those are very different things.
Employees get lower wages because there is less capital invested
If the increased capital is coming from employees, then this is just a circular transaction: the money goes from the employee, to the company, back to the employee again = no net financial difference.
Founders get less money
In the real world, founders borrow money, which forces them to be calculating and spendthrift with their cash.
Fewer startups are created
Oh no! Juicero would never have existed!...Wait, that's a good thing, and the very existence of Juicero and other wasteful startups suggests that the problem is too much capital, not too little.