> I bet it's also less reliable than Hetzner's servers, and is likely to suddenly die some day

I’m a happy Hetzner customer but I have had servers that I rented from them die a couple of times.

I rent physical servers from them that have been previously rented to other customers. At some point hard drives fail.

However, I have solid backup setup in place (ZFS send and recv to other physical hosts in different physical locations) with that in mind, so I haven’t lost data with Hetzner. But if I naively did not have any backup then data would have gotten lost a couple of times.