Robinhood Security and Scenario Planning

Already have their gold card and an active Roth IRA and Brokerage account (both minimal $). However looking to consolidate my main investment accounts. Taking the Robinhood transfer bonuses would net 20-30K more vs bonuses from consolidating under BOA/Merrill). But what if something goes wrong? A 5 year clawback makes me hesitant if something goes awry. Buy and hold type of investor FWIW So 2 questions for those who are knowledgeable about these things? They are SIPC Insured sure with additiona

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