That’s why picking the right instances is important, to make sure it’s not some random person in their basement. Read the about pages of the instances, see what they publish about their operations. The people behind the .world instances regularly blog about what they are doing, spending and earning for example. Some are even run by non-profits. I personally feel much better with those kinds of people running a service I rely on, instead of a company that talks to me only through their marketing department and first and foremost wants to maximize profits.
But that’s also exactly my point. You should be able to transfer your account to another instance, so you’re not stuck if the one you picked turns out to be bad or has to be shut down.
I’ve seen that quite a few times already, mostly in the form of “it’s stupid to preemptively defederate, we can always defederate later”.