The rule that only accredited investors, which means people who are already wealthy, are allowed to participate in certain ICOs is senseless imo. It's like saying "YOU'RE NOT WEALTHY YET, SO YOU'RE NOT ALLOWED TO BE WEALTHY." Stupid society, with obsolete rules, we're living in.
Disclaimer: I'm not a US citizen, and I've not read that law
People can always working on bounty campaigns in order to earn more income that they can use for living, this is the reason why other workers in the corporate world are preferring to use cryptocurrency.