Chances are when USA banks and USA normal investment places allow us to buy crypto. It will be just for the rich

First off this is more of a rant, but I want to see what others think. I want to see if others might think I might be off.

So over the last few weeks I've been hearing about Fidelity will allow us to buy ETH, and as someone that uses them. I figured this would've been a great way for me to buy more without the stupid timers before I can move it to my wallet.

Something I didn't know until seeing it in a report today is this is just for institutional investors only. For those of you who don't know, this means you need to be rich or basically work for some financial service and pass some test.

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IMO this makes sense because no one knows what the SEC will do, and this is a giant CYA move by Fidelity. Like if the SEC found ETH is a security, then this means if Fidelity allowed any customer to buy it. Then Fidelity will be screwed since they would be found selling unregulated securities.

With that in mind, do you think most/all banks and mainstream investment places will only allow the rich to buy crypto through them? Or do you think they will take the risk and allow us normal people to buy?