Exactly: just as it takes seven days for the first of four instalments to become available in the case of a SP Power Down, the waiting time for Savings is fixed at three days. During this time, you would have the opportunity to start a recovery of your account. For this you need 1) all your keys and 2) a trustworthy and accessible recovery account. The sc01 is automatically set up for you there. I doubt that you will be able to contact him for a spontaneous recovery of your account if the worst comes to the worst. So find a trusted person of your choice and change this recovery account. You can find everything under Account Details...

All freely available Steem and SBD are not protected in this way. If someone transfers them without justification, they are and remain gone.