So assuming this is done… This is what I don’t get…Why is the fvcking tax laws so damn complicated?

Why can’t you just allow a normal person to borrow from a IRA? Why do people have to jump through hoops and are only allowed to borrow from a 401k type account? Makes no sense to me whatsoever, except people who have the time, patience, and financial resources and juggle things around to get a more favorable result….