I could make a political point about how kickstarter and its kin are a response to laws that limit risky investments by all except the wealthy and the effect of "the closure" in Venice in the 14th centuary.
You could, but then you'd be ignoring history. The US "informed investor" legislation is to protect people from otherwise-legal fraud. Did you never hear about the movie scam? A production team would roll up in a small town, and offer to put the place on the map by shooting a move there. Everyone knows movies make millions. No brainer. Invest, invest, invest! And so the townsfolk would hand over many thousands of pounds to the production company, who would shoot a movie -- a crap one that no-one would ever pay money to see. Contract complete, the production crew would take their salaries and send the film off to distributors, who would refuse it. The townsfolk would never see any of their investment returned, and the production crew would be better off. Done right, they'd also get catering and accommodation on credit to the production company, but make sure that they emptied the account through executive salaries and equipment hire (from themselves) so that they could fold the company with massive debts.
By sticking everything in limited liability companies, this type of scam remains on the legal side of the law. In fact, even major productions companies often start a new LLC for each production, and if they cancel the project, extras, cleaners etc go unpaid.
So yes, before you assume everything your government does is designed to screw you over, take a look at your own history.