Conspiracies of the Ruling Class question

In light of chap.16 and a Constitutional Amendment to keep the Fed. Govt. from ever confiscating other forms of currency in a monetary crisis as Pres. Roosevelt did in 1933 with gold, it begs the question, shouldn't the American people be allowed to decide where their 401k's are invested (IE buying gold, silver) instead of solely in the stock market? Pres. G.W. Bush proposed the idea of Americans being able to invest their own funds but it gained no traction. I wish Lindsey would have addressed this. Shouldn't that be a liberty or right as well?