I agree with your disdain for higher capital gains tax. But disagree with the technicalities of your post. Withdrawals from IRAs aren't subject to the capital gains tax. They're subject to the normal personal income tax. The same for 401Ks, 403Bs, and 457s. And if you put the word "Roth" in front of them then they're not subject to any tax (assuming you follow the withdrawal rules, such as the age 59.5 rule or the age 55 rule or the 5 year rules).
-PJ