It's concerning, to be sure. Musk and Trump don't care what damage they do or who suffers because of it. They want to cause chaos and wreck the federal government; that's not incompetence, that's the goal.
Unfortunately, there's very little that an ordinary person can do about it. The best way to protect yourself is to stay invested and not keep large amounts of money sitting in cash. But you shouldn't be doing that anyway.
