You can think ETFs are good or bad. For me, I prefer holding my own keys and stacking myself and we all know people are loosing their Bitcoin in shady exchanges. Holding keys is not for everyone. If you want to reach your grandpa, you can at least let him buy ETF first. After that you can teach him to holding his funds in his own wallet. You can't convince an old person to give his/her credentials to some unregulated company. I think ETFs will be a good starting point for old generation. Now, we have a good chance to make them believe true form of Bitcoin. This is just a beginning.