The US is liable for any damage from space SpaceX causes in a different country. If it hits a house in the US, that's a completely different question.
I recall a story posted here that if you put an iPhone in helium it will break the MEMS components inside of it and it will fail to boot, and that's still at 1 atmosphere.
I suppose that a wider track would be useful in 1/3 G, but that is a mod that off-roaders have been doing at home for decades. Ditto ride height and wheel size.
I would not be surprised to see a Cybertruck offloading from a Starship someday, maybe even on a private mission after Artemis finishes.
I'd also imagine that at some point in this breaking-up-process the pieces are small enough to sublimate from the extreme heat, i.e. "burning up".
Think of that, but for, well, everything.
I wonder if anyone has ever tested the whole thing about field mice surviving a drop from any height due to their low terminal velocity... those bat bombs in WWII don't count.
And here's a timelapse in a hypersonic plasma test chamber: https://www.youtube.com/watch?v=q_AcG4ZQItg
(Keep in mind the pieces that come off are still going to keep being heated even after they seperate.)
It largely does atomize yes, depending on the material. Which is why they're designed out of materials that will do this.
(based on the fact these satellites are designed to burn up completely upon re-entry into Earth's atmosphere and so no 'chunks' reach the surface)