Nope.
Anything the feds want to do is de facto constitutional if anyone involved can imagine/invent even the most tenuous link to Interstate Commerce.
The Interstate Commerce Clause is the dagger by which liberal justices have offered the United States of America as blood sacrifice to the false gods of power.
The Obamacare ruling contradicts you, and it would seem the tax/spend power exceeds the commerce power. Then again, stealing your retirement won’t be regulation of nonexistent actioj, so the power will apply. But so would the taxing power. Baker’s choice.