Our children may not have as hard a time as you envision providing we all die and they rollover our IRAs and Keoughs and let them continue to earn tax free.
Plus they inherit the house at the stepped up value.
They, many of them, are gonna get windfalls.
Nah, no way is the government going to let the sheeple get ahead. What is popular today (IRA's, 401K's, etc) are only popular so long as they support some bail out or to make government statistics/economy look good for the politicians to continue to raise our taxes. In my opinion, all of these type of things will be somehow eliminated or taxed out of benefit via a stroke of the pen in the future.