You filthy government hypocrites. Here I am, responsible, informed, and educated, but I don't meet your (ENTIRELY ARBITRARY) criteria to be an accredited investor. So I can't invest in as many up-and-coming businesses and entrepreneurs. I, on my own, can't use my money to help these tech talents make really cool advancements. Oh, but wait, it's totally different when the super-benevolent, super-intelligent, angelic government does me the great favor of taking my money from me and then THEY can invest my money in those talented people! Gee thanks! So one more time - I'm not allowed to direct my money in particular ways, but YOU can direct my money in those ways...because...you're better than me with my money? Isn't that what you're saying? What a great favor my government superiors are doing me, investing my money better than I can! I - wait, you're saying that when those investments pay off, you keep the dividends? I don't get the proceeds from you investing my money? And wait, some of them don't succeed?? I thought you were smarter than me and could make better use of my money than I could! So when you lose that money - oh I see. You'll just tax more and get the money back. So you're happy to pass along your losses to me when the money you stole from me isn't spent wisely, but you'll keep the gains. Socialized losses and privatized gains, after all. And lest we forget, I still can't invest my money in those opportunities myself. And why is that, again? Oh. Because I might do something stupid. Thank goodness all these hyper-ethical super geniuses run our lives for us!