This is one of the things that I hated, hated, hated while growing up and reading about investing. They want you to own 1,200,000 USD in assets and be certified by some authority in the US! :(
And this has been, of course, one of the things that I loved about cryptocurrency and ICOs. It is permissionless, you can participate if you want. There's nobody stopping you, no authority, no regulation.
Filecoin? No, thank you. They can keep their damn tokens for themselves.
Totally agree with you. This is very similar to early stage start up investments :(