I made my Reddit in 2013 and posted alllll sorts of stuff, never really caring what TOS or anything I could be violating… never had problems except getting a horribly downvoted comment here and there. That being said, I am much happier after transitioning to Lemmy. I use voyager which has a bit of Reddit-like view.
I considered it more as you’re not working, you have a fixed income in this situation. Like a retired person.