I kinda do the same thing. I’ll go through spurts of posting in music communities here (as well as commenting, for better or worse) and I use Beeper to check my discord and twitter group chats, but I mostly bounce between Lemmy and Bluesky, if only to avoid “the algorithm” and the non stop scrolling that comes with it.
For an individual person, yes. The loophole that the rich and wealthy use is to donate any monetary value above that 3k, to a PAC or super PAC.