Neither of those accounts are "locked up", there are ways to access your money before the government sponsored year of retirement. See rule 72(t) or periodic distributions for withdrawing without penalty. Finally you can always withdraw the money with a penalty.

You can withdraw your contributions to ROTH IRA's at any time, penalty free and ROTH 401(k)s are easily rollover-able to a ROTH IRA.

They are completely a part of net worth, it's in the very definition.