In a lot of situations, the "worst" is impossible to happen. Unless they need to truck in 3 or 4 feet deep worth of suitable material for the entire leach field, $30k isn't happening. And, you don't necessarily always prepare for the worst - else people living at elevations where it has never flooded in the previous 1000 years would be wasting money on flood insurance.
^ This. I actually got an estimate to replace my entire leach field, and I think it was between 5 and 8k. Leach fields certainly don't "fail" within a few years unless someone did something very wrong. You might as well "plan on" your house completely collapsing due to bad nails within a few years if you're also going to allocate 30k for a leach field failing.
Around me, you either live in a village/city, and have municipal sewage, or you live out in the country and have a septic system. Obviously you pay for the municipal sewage, and even if that were not the case I would take living outside of town and away from the idiots 1000/1000 times.
As to the OP....well I have no idea.

. I live in the sticks, and I could dump 5 feet of fill on top of my leach field and no one would know or care. I can't imagine why fill on top or a retaining wall would be an issue.......in the worst case if you did need to dig up the leachfield, you'd just have to dig up the fill and possibly remove portions of the retaining wall. It probably depends on how far out in the boondocks you are.