In fact, provoking mental paralysis among investors would be among the better outcomes because it assumes an understanding of the differences between active and passive ETFs. In truth, these differences are not so easy to understand, and they represent another example of conventional Wall Street offering customers overly complex products that ultimately cost them more. There are a lot of things in life you simply can't avoid. Then there are the things you can absolutely avoid. Actively managed ETFs are among them. This article was written by an independent contributor, separate from TheStreet's regular news coverage.