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I have one. It’s still working 1.5 years later. It’s good for beginners but it isn’t the be-all end-all self-hosting solution yet.
It’s easy to get started and set up, but you have to understand what it is, especially if you’re going the Raspberry Pi route with the recommended specs. RPis aren’t some magic super computer. They’re tiny, hobbyist machines, not nearly robust enough for a permanent server your life depends on. You get way more power and storage with a refurbished small form-factor PC.
Umbrel isn't that customizable, and the entire goal of self-hosting is to rely less on third parties like Umbrel. Set one up and try some services, but keep learning. Jump over to Linux and find the real, self-hosting adventure.
These are potential sources of revenue but 100% of it goes to the reward pool currently.
Not to mention that Tether's operating costs are likely far cheaper than a typical bank. Holders of USDT aren't even expecting those interest rates to be passed onto them.
I don't use USDT nor would I recommend it, but I have to admit they have a neat business model.