You can participate in mining pools, but realistically speaking unless you have very powerful hardware, you're better off just buying Bitcoin outright.

Same with PoS, you can stake with a pool if you have less than 32eth, but your returns on that are not going to be comparable to what large holders get (same percentage, but very tiny in absolute numbers).

You're arguing that "small" (<$80K) amounts of money aren't worth investing even at a very high APR. This is pretty contrary to most investment advice.

I'm not, even small amounts should be invested of course, I'm just pointing out that rich benefit the most in either scenario.

Also worth pointing out, high APRs aren't guaranteed and the network fees are supposed to be significantly decreased post EIP-1559. Also, for those who don't meet 32 eth threshold, there's good chance they are not even remotely close to that threshold.

If the rich get the same APR, they are not benefiting more from PoS.

As for the 32 ETH threshold, if you don't meet it, you can stake through a pool instead, and even a decentralized pool.

The richer get richer in absolute terms but not necessarily in %. The latter imo counts more.