Fee for a service makes sense. Fees are also used as a barrier to entry. Fees are used as penalties to try to stop negative behavior. Fees belong in financial services. Those companies that use fees fairly should be applauded. Those companies that use fees unfairly should be scorned. I think both Betterment and Wealthfront have a ways to go before they are applauded. Maybe I should have written my comments as a poem. Adam, your article is much appreciated and I wish more companies in the financial services sector did the same.