You can use staking pools as well to stake less than 32 Eth. It's the same concept as PoW. If you have a lot of money, you can buy ASICS and stake for yourself (making you richer). If you don't, you'll join a mining pool and earn money relative to your hash power. PoW makes the rich richer as well, that's life. With PoS, you have at least skin in the game (your stake).