Them, and the EBT card people.
It's easier to say that nobody will be safe. A few examples here:
You keep all your money in the bank. On one fine morning you learn that your bank is insolvent, and so are all other banks. The FDIC insurance of small accounts is no longer valid, since FDIC is also floating belly up.
But, you say, I would know that day in advance. It's nowhere that bad. But on one fine morning you learn that all accounts are "frozen," or trimmed, or taxed - just as they did on Cyprus.
But, you say, I don't have a bank account - I only use cash. You do that, until on one fine morning you learn that the government devalued the USD. Prices rose 10 or 100 times up, and your cash is good for ... no, not even for that, it's too small and too dirty.
But, you say, the government cannot devalue the USD because it is the foundation of world trade. You keep saying that until on one fine morning you learn that the "old" cash is no longer valid, and a new cash will be exchanged only up to $1,000 per
head of cattle citizen, and only if you prove legality of every dollar of it. Even if you kept it under your mattress for last 50 years. Amounts above the limit are nothing but scrap paper.
But, you say, I don't have cash at all - I have these here gold certificates! You keep saying that until on one fine morning you need to convert one certificate to gold. You suddenly learn that to do that you have to come in person to the bank which is conveniently located on Easter Island and open for business every Mayan leap year, from 3:00:00 am to 3:00:01 am on February 29th. Oh, bring *every* piece of ID you have; not that it helps because you will be denied because of the ID that you don't have with you (and likely never had.) Sorry, it's just a small clerical error, come again in another century and I'm sure this will be straightened out in no time.
But, you say, I don't need hard gold, I only want to sell the gold certificate! You keep thinking that until on one fine morning you learn that the exchange rate is such that you will lose your shirt on selling them. You are not the only one who is so smart, and it's buyer's market because you have no other viable options.
But, you say, I don't deal in paper gold, I have the real golden gold! You keep saying that until on one fine morning you learn that The One issued an edict about mandatory confiscation of all physical gold and gems. Anyone flashing those will become a criminal. You can keep them, as long as you were careful enough to hide your purchases, and as long as they aren't found in mandatory random searches of dwellings, and as long as your local MS-13 gang doesn't suspect a thing (they are good with torture tools.) Otherwise welcome to the federal prison.
But, you say, this won't happen (never mind that it had happened already in this country, and not too long ago.) Keep saying that; perhaps you are right. But one day, when you need to buy food, take your gold coin and try to buy something with it. (See above, where you tried to sell paper gold.) Need food? Great; how much gold you got? The price is all the gold that you have. The price is not to your liking? Fine, in a week it will be triple of that. Food is necessary, gold is not (try to chew on it.)
In other words, there is hardly any scenario where a citizen can steer through the economic collapse unscathed. Your best scenario would be to live in a cabin in the woods, have no links with the civilization and have a good supply of ammo. Then you will be OK. But such areas are available, in good numbers, only in Northern Canada.
Why is this so? Because you cannot win a card game against a cheater. All governments have control over laws, and they pick and choose what they want to do to you. You, as a subject of an oppressive state, have no control. The only way to not lose is not to play.