At such a high cut-off, it already deprives many retail investors of being able to invest in a low risk but slightly higher returns — which could have been a great non-traumatic start for newbies. A classic case of richer people having more investment options while those who have less are stuck with riskier options.
The rate of returns pose opportunity costs and opportunity losses to other available investments with much higher and faster ROI. As such, bulk of my portfolio will remain in these higher return albeit higher risk investments.
Simply because of the very high and competitive interest rates that are hard to come by. Such rates are hard to come by and achieve, even in a bullish stock market. Plus the risk is commensurately less for the possible earnings via interest and dividends.