Right now they’re trying to get at that money via inflation.
But inflation is way to low for them.
You’re right, at some point they are going to try for the Retirement and Bank accounts.
If they don’t outright seize bank & retirement accounts here, they’ll simply count them against you in terms of any programs (higher ObamaCare/MediCare insurance premiums/co-payments, lower Social Security payments, etc.). In the end, they’ll come close to their desired outcome (equal poverty for all).
The way they'd get to the retirement accounts is to turn them into federal government annuities. If that were the only way to get FDIC insurance on retirement savings, it would reach a level of acceptance and then could be made mandatory.
Read a crazy article years ago suggesting that.