>>13660812The forces keeping you together work against the expansion trying to rip you apart; that's the same reason large scale structures stay bound, insfead of say, having galaxies tumble out of clusters
Also, I didn't do the math, but I think if you take the metric expansion, and scale it down to human size and a human lifetime, you'll find out an extremely low expansion
One possible scenario for the end of the universe is exactly what you described: the expansion of the universe accelerating so much that it eventually overcomes any force holding matter together, down to the subatomic level