They do not have to do anything with them but, they do want to steal as much of them as they can.
Ive been thinking if Uncle Sham is bluffing, they win when you have most of the populace now with no savings and dependent on FedGuvInc in their old age.(No point in saving in a traditional bank account or CD since Uncle Sham is keeping interest rates artificially low.)
On the other hand,if rumors are fostered by the government to convince people to stop deposits and make early withdrawals to boost THIS YEARS’s taxable income, that buys them time to keep on spending ,wasting, and scheming.