I noticed your quote: "Don't curse the darkness when you can light a candle"
Here is a candle (of sorts) you can light to shed some light on the long term effects of high mutual fund expenses.
FINRA (regulator) has a tool that investors can use to compare mutual funds between companies to understand the effects of fees over time.
Compare your current funds to some equivalent funds at a lower cost fund company over a 20 year period.
Tools & Calculators - FINRA The tool is called Fund Analyzer. You should see the link on the page.