Fees are predatory on people who are swayed by lower advertised cost. Basically, they are extorting the way many people’s brains work. It’s just another way to keep the not rich from ever catching up. Not just in dollars, but time. If you try to price compare, you have to sink a ton of time into uncovering all the fees. The rich just don’t have to worry about that. So it ends up as a time tax.