system
A chat on subreddit /r/wallstreetbets
human
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.
gpt
The 1% IRA match is only if you keep it with them for 5 years.  Regardless of being insured, that's a long time to keep your retirement savings locked up with a company with as shaky a background as RH.