Look at Florida's state legislature. They passed term limits in 1992, and since then you've seen way more regular people cycle through instead of the same ten names every election. Turnover went up, committee chairs no longer hold power for decades, and the good ol' boys network got seriously disrupted. That's real-world proof this can work.
Now, I hear you on the "elections are the term limit" point. But come on—90 percent of House incumbents win. That's not a competitive election, that's a coronation. Voters aren't being trusted more in that system; they're being drowned out by gerrymandering and campaign cash.
As for the lame duck worry, I get it. But there's a flip side: a second-term politician no longer has to beg for donations, so they can actually take tougher votes. And knowing you're leaving means you've got a legacy to protect. That's a real incentive to serve constituents, not just the donors. A scalpel would be nice, but we've been trying that for decades and the disease just keeps spreading.
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