And why do you think USAA offers tax-free instruments? Because they want to be nice to their members? Why on earth do you think there are tax-free instruments to begin with?
Well, the obvious answer to your question is to avoid paying any tax!....and that is my point.
The subject we are all discussing isn't being "nice" to people...It is about the various methods of taxation, and one facet of that is whether or not wealthy people who pay no taxes whatsover should pay some sort of tax, and if so, what kind.