Excerpt: Tapping into your 401(k) funds could soon become as easy as slapping down some plastic at the checkout. A controversial plan to create a kind of 401(k) credit card -- you would use it like ordinary plastic, but the money would come out of your 401(k) account in the form of a loan -- is gaining some momentum. As crazy as it sounds, however, legitimate reasons exist for eventually adding such a service to their 401(k) plans.'