If you are worried about layoffs, what do you think is going to happen when your startup statistically fails? What are you going to do about income while trying to get the company off the ground?
If you understand the difference, it is often painfully obvious that most of us are in the last boat.
If you want something, you would typically be doing it already. Perhaps it's a bit of a stretch, but you might be more interested in asking questions than in giving answers. In that case, just try to enjoy life as long as it is smiling to you.
I've mused about this hypothetical as well. I think, it would only happen if someone has a really good idea, is really skilled in many areas and also (and this is the key) is dead set on it being a single person unicorn.
Why? Well, once money starts coming in there will always be areas where adding another human (or a hundred) can help. In other words there might not be much distance between a single person unicorn and a zero person one (in which the AI comes up with idea and does everything else too).
All respectable accomplishments, but some of the most accomplished may not be the most balanced :\
Money would be the one that could be taken away from you most easily, or even completely lost inadvertently through no fault of your own.