I get that they exist to protect people from getting scammed, but it also locks people out of some of the best ways to create wealth unless they’re already rich.

Crypto is an example of both. More people get scammed, more regular people accumulated wealth. Outside of that look at startups, regular people are locked out of early stage investment (including many of us in the industry).

I understand the trade off but find it frustrating I’m constrained for my own good. It feels like being held down to the level of the (uncharitably stated) dumbest person.