Why its a bad idea to invest in Treasury money market funds

I have been using an YC-backed app called Finvest to buy US Treasury Bills directly (I am also helping the founder), instead of buying money-market funds.

Interest rates will drop soon. Treasury money market funds only invest in short-term securities and hence, their interest rates will drop as the Fed cuts rates.

With Treasury Bills, your rate is locked in if you hold to maturity. So if you buy a 1-year T-Bill, your rate is locked in no matter what happens.

What are the others doing to hedge against a future environment where rates drop?