sure you heard loads of BS here.. but you are correct.. fiat is fiat.. if you want to be a bit safer get ur retirement monies (not sure what doc it is in the US but think 401k or so) directly converted into physical gold or/and BTC.
many do not take serious what is happening and those will laugh now but come to your door for help saying "i could have not known it and i need help" but the truths is that it is pretty much in your face if one dares to look
thanks for your post as it is one of the most important shifts we all go trough.. it will be horrible for so many