This bill is an offense to the U.S. Constitution.
I would say that the United States Congress should be ashamed.
However.....
The U.S. Congress is at war with America.
Also, think of the power over our retirement accounts of all forms. We can’t move that money without immediate bank imposed penalties (banks are forced agents of the fed). So those of us, up their in age, are literally held hostage to the US institutions that possess our IRAs.