In all honesty i think as regulations start to grow on the industry i sadly believe we'll see more ICO's or at least pre-ICO's moving towards larger entries of several thousand dollars worth of entry, though I know most teams like crom are working to try to make it so that smaller investors can find a way in at as early as possible which i appreciate.
I agree with you, the most favorable conditions always go to those who have a thick wallet. A large number of investors is good for the project. This forms a strong community.The ones with the most money, get the best deals. Unfortunately this is always the case and nothing we can do
Of course you can do something there: even become one of the rich people by yourself:-)
Although I do not know if that will work with Crom. But i'm sure a little extra money can be earned, with the lend and the value increases
I think you'll be happy to receive dividends for loans issuing))
... but its totally ok, more risk to loose, more potencial profit. 