Nobody told you to buy whole Bitcoins... right? Buy what you can afford, until you have bought whole BITCOINS. One thing that might happen,
would be, that existing hoarders will exit the scene when the price increase after the approval of the ETF and then rich Wall street investors will
buy those coins and speculate with them. You would still be able to buy smaller amounts or Satoshi's.

This exactly. Depending on what your definition of rich is, you don't have to buy 1 whole bitcoin to be rich. But then again, you don't have to own any bitcoin or satoshi to be rich.