I don't think Chesterton's Fence is a good analogy here. It's pretty obvious why this restriction exists, it just doesn't seem like it's worth the downsides (to me at least).
If you are saying that this fence should be replaced with a better one (e.g., replacing binary qualified/unqualified w/grades of qualification & proportional investment limits), I might agree, but if you're just saying you should tear it down because you think you see the reasons, it looks like your answer is a great example of the value of Chesterton's Fence analogy.
