For all the complaining on HN about accredited investors, this is exacatly why they were invented in the first place: because there was too much speculative investment available to people who subsequently invested more than they could afford to lose. The big guys have the power to get a bailout but the small guys are the ones that starve to death because they can't.
That's all backwards. The little guys are supposed to need the protection. The big guys are said to be smart enough to know what they're doing and not need protection.
