When ppl ask "How do big banks compete against local credit unions despite being often more expensive and worse" it's shit like that
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You end up paying literal thousands of dollars to Wall Street managers to do effectively nothing while a computer closet-indexes your money
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Like 95% of the time doing exactly what all the rest of the stock market does and 5% of the time moving some shit around to charge you fees
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with a price tag you're not even looking for
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it's not like fees and expense ratios are on the windshield in soap
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