Suppose you woke up tomorrow morning and found that Bitcoin had dropped to 0$, or that Bitcoin had disappeared or been scammed. How will you be at that moment?
I really don't think that bitcoin can go to zero overnight. It should be more than that.
In that case we will get enough time to liquidate and get out and may be buy more at the bottom.
Bitcoin cannot just disappear just like that because it is open source and the network is spread out across the globe.
The only way we can get scammed is if someone executes a 51% attack and in that case there's pretty much nothing we can do as an individual.
We can try selling but the network will be so congested that we won't be able to transfer our coins to an exchange.