There are many people who disagree with IRA rules. However, if they want to save for retirement, then they have to follow those rules just like other people. The IRS sets the rules and anyone wanting to save for retirement tax free or tax deferred must comply by those rules.

Some people think the rules are still unfair even with all the tax free earning or tax free accumulation. There are other retirement account setups that offer similar tax advantages.

Some people prefer to save for retirement using annuities. These offer more protection in case the market is not doing so great.