I'm in New York - should I own a physical rig in my apartment at 20 cents per kWh?

Should I own a rig at a hosting company - and trust them not to rug me?

It's reasonable to buy hashrate direct from mining farms, so long as there's an escrow to limit the rug pull risk.

That's what @Rigly is building: the "don't trust, verify" workflow of multisig escrow used on dark web markets, applied to hashrate.