Ask yourself: what limit would a 4 year old place on himself given that he had unlimited power and resources and no chance of punishment and - voila - you have all of the restraint and wisdom of Government.
I’ve always been suspicious of 401k plans because the Government will eventually take them. Could be 20-30 years from now, but eventually they will look at all of that money and they will confiscate it. Roth IRAs, too.
It’s just a matter of time.
I would only trust a Constitutional Amendment that is very specifically worded and relates directly to IRAs. But that won’t happen.
I think that is highly unlikely. They would just change or end the special tax treatment of the plans. It isn't necessary to confiscate the principle to fleece the sheeple.