I'm used to the bonds trading investment but there are some crypto exchange site like etoro etc that provide bond investment and about 1% whales have access to something common people cannot access is widespread in almost all investment setting and for this not to be a subject in crypto is the reason why Satoshi market Bitcoin decentralized.
Yes, that was the main argument I was trying to make that those 1% usually can trade something what most of us cannot. Even with etoro and others, they rarely bring something entirely new or something "from elites" to the common people. This is what we are doing now 