That has never been my argument lol.  I'm telling you it's prohibitively difficult to get your money out of the system and because of that people are forced into buying ibit mstr etc. in fact most retirement accounts will not even allow access to those products.  Most advisors will be de-facto forced to buy those products in order to keep up with the street.  A brokerage account, 401k, Roth, IRA are all different products and most of that money will never exit the system.  It's permanently stuck.

Your cash brokerage account has no problem moving money that represents like .01% of all assets in the system.