I think what the OP is trying to say here is that when you have more money to invest in an asset, then the return you are likely to gain from the asset will be more than when the capital you are investing is less. He is right, because when you invest less money in all these types of assets, the profit you are gaining wouldn’t be as much as those who invest bigger amount of money (the whales).
So, the problem for an investor can be finance; when you don’t have enough money to invest in an asset, then you will be unable to make better profit. He then pointed out that Wall St. investors would usually borrow money to invest in the stocks or assets of their choice for them to be able to multiply their profits.
The percentage rate of what you are gaining is the same, and considering if you are poor, the amount you are getting into is the amount you can afford. The problem with the difference is that whales do not have living cost worries, so they live like nothing has happened if they invest a million dollars, or 2 million, they are the same for them. Whereas we save from our daily lives and put that aside and send money accordingly.
This is what gets me, I mean if we can't even pay for our regular life, how could we invest, how could we get better? Liberals will say "pull yourself up by the bootstraps" and all, but as long as there are population crisis, too many educated people, very little pay for the same job, can't even afford a house and many other stuff, then I am sorry but we are going to end up seeing these type of problems all the time. It is not going to change any time soon.
I will agree with you that the "haves" have the advantage, and they are able to build credit and various kinds of ways to practice with their credit that will give them further access that is not even available for normies, and also as they use their credit they build more credit and receive more favorable rates.
For sure the cards are stacked against the normies and even worse-so against those who are barely able to squeak out any kind of income that goes above and beyond their living expenses.
Surely it is not good or healthy to gamble with your living expenses merely because you want to get ahead, so you do need to attempt to manage your money in such a way that gives you as much advantage as you can.. and for sure it can take a long time to both build wealth and also to start to obtain compounding effects that compound and compound upon themselves to cause your money to work more and more for you.
Bitcoin gives way more access than what normies might have had under a variety of traditional investment mechanisms/avenues. Bitcoin allows for both entrance without prequalifications and abilities to invest amounts that are very small, such as $10 per week.... Historically bitcoin has allowed normies with even that low of investment amounts (such as $10 per week) to have put themselves in a much better place, and sure maybe these days it would be better to attempt to be more aggressive, such as $100 per week, if you can manage such.
Personally, I do not recommend investing in shitcoins.. or the variations..and sure it could take 10 years or longer for normies who are investing small amounts into bitcoin - even as high as $100 per week to really start to feel that they are receiving compounding effects on the capital that they have put into bitcoin (and hopefully they are not putting so much into bitcoin that they are tempted to withdraw it too soon and before really starting to get compounding effects... it's not guaranteed either, even though it is an asymmetric bet).