 Consequently, it is also seen to obstruct the efficiency of markets by unfairly forcing small retail investors to use bulge bracket firms to invest/trade on their behalf thereby protecting the commissions bulge bracket firms earn on their retail businesses.On the other hand, some argue that it is problematic not because it is some sort of unfair over-regulatory attack on the "free market," but because it is a rule that shuts out the vast majority of the American public from taking advantage of an excellent way to grow wealth.It does so by imposing a "poverty tax" on those who do not have $25,000 available.