[thunky]

> I think that there was an oversight in the rules

I'm not sure about that. Ever heard of a "mega backdoor Roth"? It's a legal way for high income earners to contribute much more than the normal limits.

Besides, you're free to load up on TQQQ or penny stocks in your Roth if you're feeling lucky. If you lose it all, you will have squandered a great opportunity to gain tax-free wealth. Or, maybe you'll hit the jackpot and end up with a pile of tax-free money. Then if the rules change and you have to give it back you'll probably ease off of that whole "obligation to society" line.