Is holding stETH/LIDO currently dumber than holding LUNA/UST ever was?

Ok so I only started understanding this and probably only have a superficial grasp but here we go…

My concerns/questions

1. At such a tiny yield is there any good reason to risk my Eth with stEth? I mean the added yield in the short term seems minuscule for starters

2. Holding such a percentage of the stake is completely at odds with decentralisation. This is almost 100% of Ethereums point of difference to any alternative

3. A bet on stETH is a bet on the demise of Ethereum or worse yet an outright attack

4. LDO governance essentially will control ethereum’s fate? Or will a fork be an option and stETH/LDO holders burn when it goes wrong?

5. If anything goes wrong with LDO/stETH before withdrawals there will be zero liquidity to exit. Holding now is bold

6. There are alternatives – they’re easy to find. Or just park your Eth till this problem resolves. It is terrifying and by holding stETH you are the terrorist.

I don’t understand that much but I’m fairly sure if stETH does not limit their stake something bad HAS to happen. Maybe everybody burns but 100% for sure the stETH holders will be the ones the burns for sure.

It is mental to hold something that will blow you up for 4%. Mental. There needs to be a loud chorus screaming at stETH holders right now – damn LUNAtics…