I think you're a tad too optimistic congress won't find ways to tax Roth distributions. It's easy to imagine a future with a higher age for qualified distributi

I think you're a tad too optimistic congress won't find ways to tax Roth distributions. It's easy to imagine a future with a higher age for qualified distributions and/or distributions over $x or from an account with a balance over $y being classified as non-qualified. $x and $y will of course be chosen to appear to target the "rich", while mostly hitting the middle and upper middle class, just like AMT, the SALT deduction cap, and other "tax reforms".