Excellent point. This is really a good news/bad news sort of thing, as it's great to have the flexibility, but there are people out there that need a hefty penalty hanging over their heads to stop them from doing something stupid.
I agree. There was a debate about this the other day on another forum. A FA there ONLY recommends Trad IRAs to his clients because in his experience, over half of his clients take money out of their Roths. I posed that he was doing a great disservice to his clients by assuming that they would be irresponsible and take money out of their Roth rather than educating them on the consequeces of those actions.
The debate was never really settled (the guy didn't come back) but the Roth can be a double edged sword. It has excellent benefits, but if you use all of them you hurt yourself in the long run.