Exactly the correct point... it's not possible. You have to keep your money in there for a while (minimum thresholds)- there are probably caveats that you need to turnover a certain % of your Mastercard (since part of that 3% is on chargebacks). short term (1 year) treasuries are yielding 2.7%... so the only way to get 3% is to take more risk. Risky proposal to park your money with robin hood.
Well, it's FDIC insured when I checked, so you can get your money back if things go south. I wouldn't park all of my cash there, but I would consider putting a chunk of my savings there.
