A slightly more optimistic take is that it's legal to offer this investment opportunity to non-millionaires. You have two choices:

1) Don't solicit publicly (i.e. don't make a business out of convincing non-affiliated retail investors to invest in Bitcoin; you can still band along with friends, family, and fools in a non-scalable fashion)

2) Do solicit publicly, but go through the disclosures-and-compliance process that society has decided should gate scalable access to retail investors' life savings

The cryptocurrency economy is largely unwilling to do #2, which is onerous, expensive, and (ahem) exceedingly difficult to get through if you have produced nothing of economic substance.