I CAN understand your suspicion of the stock market although before the 2008 crash, I was making very good money both in my own independent investments and in my retirement account. When the crash came, I lost 3/4 of my 401K and never have been able to make it back since. I also had stocks outside of retirement and because I spread out the risk, I came out OK on that. The stock market is not as stable as a lot of these people think but that doesn't mean you have to avoid 401Ks altogether.
The thing you are missing about 401Ks is that 1) if your employer is matching your contributions, you are literally throwing away free money. 2) ALL 401K have an option to put your money in super, super low risk cash reserve, bond or money market funds. (Available just for people like you who are leery of the stock market.) It's almost impossible to lose money in these but bear in mind that the return rates (dividends) in them will be terribly low.
So, go ahead and invest in your company's 401K at least up to what they will match. The matching is literally FREE MONEY.