Comment by corimaith

The methods that institutional investors have, like market making or delta one strategies, aren't available because of the rules, it's because individual investors literally don't have the scale, flow and networks to do it.

Second of all, at the end of the day it's other people money's they're using, and are entrusted to manage. You can't demand people to just lend money to anyone, any sort of free market of loans will quickly coalesce into a few capital allocators.