If 32 ETH is required then there must be a pool which can bring people that cannot afford the 32 ETH together. It will be nice and many will be willing to be a part of it.
I'd think eventually there will be pools, but that may be odd to start with in the early stages. As all staked coins will be locked up during the beacon stage. And it'd seem weird to have staking pools where folks can't withdraw their coins ... and that may end up being a year or more.