It's not scary when it is just a hypothetical. If this were happening with some frequency it would be concerning. Until then I suspect there is something you are overlooking, oversimplifying.
(EDIT: I'm assuming you are talking about non-military use.)
Its one of those things where once you can buy "kits" for it, you may see its use. Ukraine war videos popularized the idea of using drones to drop explosives.
I could see Cartels using this to take out targets.
(EDIT: I'm assuming you are talking about non-military use.)