The general public absolutely cannot. You have to be an accredited investor or qualified purchaser; you need to have access; you have to pay carry & fees (maybe multiple, stacked middlemen).
The path to declaring yourself accredited is uniquely easy. Just say it. The whole space is deeply unregulated and unaudited. What makes it insane is that those middleman are making a small fortune exploiting this loophole protecting large companies from being forced to go public. The number is 2000 private investors. Rest assured, more than 2000 individuals have money in Stripe today. It's a total scam.
“Rights”. If you’re lying about accredited investor status, you definitely don’t have the resources to pursue your adversaries in civil litigation, much less actually collect on any judgment.
But they had the option of buying VOO or whatever broad market index the entire time, so I don’t see the need to protect people who feel the need to gamble.
No, that's not how the US legal system works. I don't endorse fraud (or dishonesty in general) but your claim that lying about being an accredited investor extinguishes all legal rights in a dispute is simply false and has no basis in law. Most rights would still be retained.