"what if" doesn't pay the bills. until that happens, we deal with it by focusing on tax shelters.
Discussion
You’re essentially playing a “what if” by assuming your Roth doesn’t change the age of retirement, the qualifications to access your money and the rules our government makes around these types of accounts. Plus if I want to retire, and there’s taxes on my bitcoin, I get on a plane with 12 words in my head and then go live tax free with my family somewhere that makes sense financially. Think you’re missing the point
you are correct, those risks do exist. and I accept those risks by using the system. if the rules were changed to erase the tax shelters of Roth accounts, I think the entire country would erupt. our congresscritters are stupid, but I don't think they are self destructive.
being an expat is not a tax shelters.
With a Roth the government has a VERY strong incentive to keep it in place unchanged, they get more tax revenue now. Governments always prefer more money now versus in the future because they have terrible time preference. Conversely they have a very strong incentive to tax Bitcoin as it goes up massively in value and little incentive not to. Game theory supports Roth remaining in place. There’s no guarantees, but it’s more likely than not.