Theres no disagreement with this part.

You are missing my point. Getting USD from your fiat custodian into your btc hardware wallet is a taxable event with heavy penalties. Fact.

Maybe educate yourself

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Wrong on all counts. A bank account and bitcoin hard wallet have nothing to do with assets managed by a fiduciary of a retirement account.

Saying “fact” doesn’t make it right - you don’t know what you are talking about.