> And, who is going to be able to have a larger percentage of their funds staked, a poor or a whale?

This is a truth that's fundamental to all types of investing. Advantaged people can set aside millions and not touch it for a year or five or twenty. Disadvantaged people can't invest $20 because there's a good chance they'll need it to buy dinner.

Stocks, bonds, CDs, real estate, it all works like this. You've touched on a fundamental property of wealth.