I don’t think the cost is a distractor if it’s one of the few ways to meet your objective. But you have to look under the hood and make sure it represents what you’re trying to achieve.
It is an unnecessary act for the majority of the population who are drawing down their retirement assets. It’s a nice bonus for the small percentage of the population who does not rely on retirement savings.
I don't think this is such a dramatic turn of news, that it should cause consumers financial discord.