Will we really be able to get to our 401k's?

With all the upheaval in the market it seems to me that there will,eventually, be a run on the 401 k's.

If you have a choice between a foreclosure or cashing in your 401k to save it,what would you do?

What happens if the vast majority are trying to cash them in right now? Do you really think the holders of these funds actually carry that much cash on them;they are no different from banks that only have to keep a 10% reserve.

I tried to withdraw a part of mine 3 months ago. It took them (Fidelity) 2 months to send the cash. Has anyone else seen similar problems?

I am not trying to start any panics and I don't have any sources. Just an opinion.