Value: Bring more to the table.
If there was a place where you could put your money that gave you guaranteed growth, access use and control of your money throughout your life - while that money continued to grow uninterrupted, all the money at passive income time was tax free and we had something to leave your heirs that was also tax free.
If you knew that everything you put into a system would ultimately be tax-free to you at passive income time:
Would you object to putting more money into it?
The value of tax free money many years from now cannot possibly be understated. The value of this access at distribution time and the percentage of amounts that you receive TAX FREE is entirely up to you.