If you won the lottery on crypto then you aren't going to be destitute in retirement. Pay the capital gains and enjoy your wealth.
Similarly, if you are a high earner and can afford to take advantage of things like the megabackdoor then you aren't going to be destitute in retirement. Pay the capital gains and enjoy your wealth.
The purpose of tax advantage retirement accounts when originally introduced by ERISA was to give employees of private companies a safety net in cases where their pension defaulted or when a pension wasn't offered in the first place. There's really no mention of it being specifically for people who are destitute or would not otherwise invest. Traditional IRAs are available for everyone, even high earners, no gatekeeping.
> Pay the capital gains and enjoy your wealth.
Traditional IRAs are taxed on withdrawal and function much like other investments.
Tax breaks exist to promote prosocial behavior. Getting people who are struggling to be able to afford to save for retirement is good for society. Giving people who made it big with a lucky gamble a benefit is just good for that individual.
