From Wiki
The purpose of the RMD rules is to ensure that people do not accumulate retirement accounts, defer taxation, and leave these retirement funds as an inheritance. Instead, required minimum distributions force the holder to withdraw at least some of the funds as taxable distributions while still alive.
This is my goal. To leave at least 50% of my small retirement account to our son along with our home.
Yet there are alot of cons to this
1. IRS will take in much less money due to less taxation.
2. Less funding for the very poor as less funds are accumulated.
3. Less money going into the economy.Generations of people making passive income while not actually hold a job being productive, contributing members of society. Making the rich, even richer.