Articles like these make me want to gouge my eyes out with a fork. There is no problem that needs to be solved here. There are two possible scenarios 1) the future is worse than the past and the 4% SWR fails, or 2) The future isn't worse than the past and the 4% SWR succeeds. If you believe, as this guy seems to, that scenario 1) is more likely, then just use a number less than 4%. Problem solved.