I didn't know we were talking about "most people". They will do whatever their government tells them to do: hand over any property the government demands, and send their children to the trenches to die.

If you want a solution for most people, the solution is to not have a communist government or any other government that will confiscate your wealth.

If you want a solution for yourself, it is bullion and/or foreign currency. If the government declares their own currency as being illegal to hold, then that currency now has a value of 0. For you and for everybody else. If they declare foreign currency as being illegal to hold, that only has implications within the country. And the black market does not care about borders.