Do Roth IRA accounts work as they should? Not exactly.

Research indicates that the wealthy achieve higher returns from Roth accounts, but others still benefit.

Benefits Available in a Roth IRA

Roth IRA accounts provide tax benefits that help middle-income Americans save more for retirement. While Roth accounts largely accomplish this goal, they have also disproportionately aided high-income individuals who exploit loopholes to invest and achieve tax-free returns significantly better than the average investor in a Roth.

How Do Roth IRA Accounts Help Widen the Wealth Gap?

Roth IRA accounts were created to help level the playing field for low-income investors. Unfortunately, they actually help wealthy investors achieve higher returns, on average. The study found a significant disparity in investment returns.
Source: https://www.thebalancemoney.com/do-roth-iras-work-yes-and-no-5271046