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If the wide view of the landscape in the US (little) and EU (much) is any indicator I imagine the point at which there is too much regulation is closer to or beyond the EU levels. In the US the never ending stream of new MLM, ICO/DeFi, and otherwise repackaged 'investment' scams is a constant reminder that it's very much a wild west.

Average people in the US need to know an obscene amount just to walk the minefield, while inflation erodes what little earnings they have.

Of course the richest investors can pump money into new ventures started in the lowest regulated markets to realize the highest gains with whatever hoop-jumping to get profits laundered through lowest taxed markets.




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