[Keflavik76]

I don’t think my money is safe from government grab in a bank, but as a practical matter, what can a person do

One option might to invest your money in a credit union. 

The Federal Reserve does not supervise or regulate credit unions. Federally chartered credit unions are regulated by the National Credit Union Administration, while state-chartered credit unions are regulated at the state level. 

[Axenolith]

Federal Reserve Notes...