> can be cheaper than buying the indexes directly for a lot of people.
If that's what you think, you've missed some of my post :-). Specifically, I said:
> you can buy the same Vanguard ETFs with no minimum.
As an individual you can get 0.05% VTI directly from Vanguard. No $3k minimum (minimums are a mutual fund thing).
I feel like you may have overlooked some of the nuances in my answer, because I've already specifically pointed out how the robo advisors can be cheaper than buying the indexes directly for a lot of people.