I understand what you are saying, although I think of 401Ks and others as being private monies and government retirements and bennies being public monies.
A pipe dream I know, and while they are at it, no more government employee unions either!!
That’s a good point, that whatever is in government employee pension funds, including employee contributions, originated with the taxpayer.
I think “No government employee unions,” is the only way to address it, because one you have unionized public employees, there’s no way to prevent their working with elected officials to fleece the taxpayers.