Which type of person is immune to it and where do they live?

Homeless people who live in the sewers. But first, you have to learn karate.

Just don't be invested in AI stocks, heavily leveraged in the stock market and about to retire, or work at a place built on such?

I guess if you're older, retired, sufficiently wealthy and have few needs (house paid off, lots of savings, don't care too much about acquiring new tech) then you can easily not be affected.