The biggest reason to avoid throwing something like Hive into a retirement account is that you're giving governance powers to a centralized entity.
FYI you can hold HIVE (or any crypto) in a self-directed retirement account where you hold the keys, so it wouldn’t have this issue. I have been doing that since 2017!
RE: dOn'T pUt vOlaTiLe aSSeTs iN yOUr rEtIreMEnt aCCouNt!