The regulation is rather explicit about having the savvy to make the investment.

I think there is a need to provide some regulation on investment solicitation, but to exclude all but millionaires from making even $10 investments in unregulated securities, while allowing low wage workers to buy cars on credit, and to take out "payday" loans with mind-blowing interest rates, implies a complete lack of sense and integrity of intent.
An entrepreneur sees problems as the seeds of opportunity.