Earth’s richest person Elon Musk, President-Elect Donald Trump’s cost-cutting czar, identified a fresh federal government enemy: The Consumer Financial Protection Bureau, a relatively new agency created following the Great Recession.

The department wouldn't be a department at all, but an outside group that can likely only make suggestions — unless Trump tries to axe current laws.

It may be tough to single out any particular ones as the worst of the bunch, but allow me to suggest two contenders: tech entrepreneurs Elon Musk and Vivek Ramaswamy, who have been tapped as co-chairs of a proposed new “Department of Government Efficiency,