so morgan stanley just jumped into the bitcoin etf game with some pretty aggressive fee pricing. feels like every major bank is scrambling to get a piece of this now. a few years ago they were all skeptical about crypto, now they're racing to launch products lol. the low fee strategy makes sense though - gotta compete with all the other bitcoin etf options flooding the market. interesting to see how institutional money is really pushing into this space now. anyone actually using these etfs or still sticking with direct holdings?