Overall I would agree that Roth dollars are preferable to traditional-IRA and traditional-401k dollars. However until very recently it was not possible to get

Overall I would agree that Roth dollars are preferable to traditional-IRA and traditional-401k dollars. However until very recently it was not possible to get money into Roth funds if you made over the income limit. It’s been a multi-decade accumulation of small changes culminating with the 2018 change that allows converting post-tax dollars from IRA or 401k dollars to Roth dollars, with no income limit.