I understand the reasoning behind such regulation. On the other hand, for example doing a startup is also highly risky. Should it therefore also be regulated, only people with enough savings (and perhaps education) should be allowed to do startups?

I don't think it is easy to answer, clearly not allowing people to take risks is also taking away there freedom and chances for making a better living. Not allowing people to take risks (and consequently, start businesses) ultimately leads towards a communist worlds were people can only pick from a selection of government ordained jobs.