The governments desires to control all money and give it to who they want will destroy all savings. No, they won’t come and just take it away, first they will protect all retirement accounts by taking away your access to it and then guaranteeing a return of some percentage of it. They will make sure you get your 3% when the inflation rate is 15%.
Put your money in anything that cannot be grabbed by the government.
I haven’t seen any activity of the type you mention as far as it relates to retirement accounts. Right now the biggest threats to 401K style accounts is crappy investment offerings and high fees. In a case like that, it maybe better to do it on your own. Retirement accounts have protection from bankruptcy proceedings for the most part. There are some exceptions and limits..