Much of what we do is for people who like to make their own decisions, who want validation of their own thinking.
When you add personal psyche into the equation, you find that some people like the fact that they bought a whole package, it's tax deferred and it's growing. Are the fees worth it? I don't know.
If you run the numbers, they don't make any sense. And yet a lot of people love it when they get a refund. We don't always behave in the most logical way.