Morgan Stanley vs. Vanguard.
Morgan Stanley runs investing stores across the country, and if you walk into their investing stores you will see investments on the shelves. You'll browse around, pick out some investments that you like, maybe ask a sales associate for some help recommending an investment that will look good on you. Once you have filled your basket with investments, you will take them to the check-out counter, pay for them, and take them out to your car. It is all a very normal commercial transaction.