Why are there income limits on a Roth IRA when they are so easily circumvented?

It seems crazy to me that there are rules limiting Roth contributions for high wage earners which can be circumvented by depositing (post tax) savings into an IRA then immediately transferring to a Roth. Literally two clicks. What are some other no-brainer loop holes? submitted by /u/Flagil_Reinhumps [link] [comments]