system
A chat on subreddit /r/wallstreetbets
human
RH cash is covered by FDIC insurance, they divide it to 6 banks and each bank holds less than 250
gpt
Other than the GME debacle, I see no reason to treat RH like it's radioactive. 

1% match on IRA 4% return on cash, stock lending income. 

You and your trade / financial data are the product, but they give you a good deal with the 0 fees and fair interest rates.