I am not sure whom you are defining as poor. In my country, poor people don't have the money or knowledge to invest in an IPO. They bearly live with their life by hand to mouth.

As an investor, I am also aware of the necessity of money management skills. But it doesn't mean you have to hire a fund manager for that. If you spend some time then you will also be able to learn the key factor and acquire knowledge about money management. Getting lucky with Shiba Inu doesn't mean you have good money management. Money management means risk distribution which is not so hard to learn if you can control your greed and emotions.