Most countries phrase it like this: you owe 30% tax on a presumed 4% gain on your 100K. That's an identical amount to a 1.2% tax on 100K, but phrased in a way

Most countries phrase it like this: you owe 30% tax on a presumed 4% gain on your 100K. That's an identical amount to a 1.2% tax on 100K, but phrased in a way that I think meets your objections.