Corporations are neither evil nor nice. They are indifferent. By design they only care about money, they don’t care about anything else.

This is exactly the same thing as cash. If you buy a major currency, like usd, euro, bitcoin, ethereum, etc, then it will be much more stable than some random currency. Would you trust a cash currency that was created by some random dude in an alleyway?

Cryptocurrency is basically like digital cash. No one can control how you spend it, or take it away. But you can’t undo transactions without tracking down the recipient, and getting them to give it back. If you don’t trust anyone, cash and crypto are the only real ways to pay for stuff.

Hashing only works if the website stores their passwords correctly. If a single website you use doesn’t hash passwords correctly, and gets their database leaked, then your passwords will all be leaked. Changing a few characters per site may help a bit, but it shouldn’t be relied on.

Also, if you’re worried about the host shutting down, you should try bitwarden. It’s completely open source, and you can self host it if you want.