Even people with money are facing a lot of pitfalls now. Didn't the Ledger incident wipe out a bunch of whales? When the market isn't doing well, more people start using their brains in the wrong way to figure out how to make money. Hacking incidents, phishing, rug pulls, and scams all increase. You could say that people with capital have more opportunities, but they also face more risks. Like that guy who lost 50 BTC recently—stepped on several landmines in a row and got completely wrecked.