Historically, only "major candidates" are given secret service protection. RFK is not a major candidate. Haley likely received secret service protection because she was running against Trump, whose supporters have a history of violence. The threat against her was unique.
RFK Jr is a major candidate. He is averaging 15% in three way race, and he has raised $28 million since his campaign began
But even dismissing that — people need to spend money to become a major candidate, and purchasing private security costs more money than most people have (ie millions).. So you get a catch 22, by your claim. You need to become a “major candidate” to get secret service protection, but the road to becoming a “major candidate” is impossible for many people without secret service protection. What if RFK Jr didn’t have the money to hire his own security? His campaign has to end cause Biden didn’t want to give him protection?
RFK is polling at 11.2% in the RCP average, and he has yet to make the ballot in all 50 states. He is not a major candidate. In fact, it would be unprecedented for him to receive secret service protection right now. This isn't some conspiracy by Biden to hurt RFK.