FYI, if that happened (it wouldn't), you would still control the same amount of "money" with the same private keys, it would just be divided across two chains.
Therefore if you are invested in Bitcoin, your money will also be divided in half.
I think you have misunderstood the whole thing- I guess I will be richer! I can spend the same bitcoin in two different chains- double spending with confirmations! Just that the person who accepted my double spend may be poorer because the shorter chain will disappear eventually.
So we have now 15.7 million bitcoins available roughly which represent 10.6 billin $ and 670$ price
In a hardfork, we will have 31.4 million bitcoins, each of them real ones, representing 10.6 billion (- the money leaving in the panic).
Therefore the price of each coin will now be ~335$. If the the chains converge into 1, then you lose your money if you sold the winning chain, so you are exposed to 50% risk.
If both chains survive, then you have to install the new software of the 2nd chain to be able to use it, and it will severely disrupt bitcoin economy.
Imagine all the merchants and bitcoin sites now will have to decide which bitcoin to accept.
It will be total chaos. So we should try to avoid this shit.