Charles Schwab rolls out direct BTC purchases, a game-changer for newbies dodging high crypto exchange fees, but Eric Balchunas flags it's a tough pitch against ETFs at just 2bps entry versus Schwab's 75bps. ETFs carry annual expense ratios, absent in direct buys, making this ideal for one-time Bitcoin investors holding 5+ years in the volatile crypto market.

Zooming into the 4h BTC chart, price action at $74,915.31 holds firm above the bullish EMA confluence, with the 50-period at $72,798.93 acting as immediate support and the 200-period at $70,517.39 reinforcing longer-term floors. MACD signals a bearish death cross at 659.3, clashing against neutral RSI at 61.47, while price dances inside Bollinger Bands—testing upper resistance at $75,805.44 without overbought exhaustion yet. This setup screams potential short-term pullback to the lower band support at $72,844 before resuming the uptrend, especially if broader crypto market crash fears subside and BTC price prediction models eye fresh highs amid rising hype around assets like TAO.