Your summary holds: Weward pays out slowly, fine as tiny perk, not income. Earnings rise in cities with missions. Transfers proved reliable for you. Costs include battery, screen time, and mental load. Privacy tradeoff is heavy due to constant location. Bugs happen with step sync. Ads nag. Still more stable than flashy rivals.
Simpler path for teh same goal, small passive rewards with low friction. Use a 2 to 5 percent cashback card for everyday spend. Add a receipt scanner like Fetch or Receipt Hog. Five minutes weekly. No step tracking, no streaks, minimal data sharing. You will recieve more.