Unfortunately, you backyard flock is not protected. It's airborne, is suspected to be infectious up to 5km between farm sites, and also can be contracted via fomite transmission. I hate to be the bearer of bad news, but your birds will likely get infected at some point in the coming 18 months, or sooner, and can be a real attack vector for something nasty for you and your family. The latest mutation across herds in Nevada/Canada both in birds and cows has a real nasty adaptation (D1.1) which has a suspected mortality rate in humans around 50%. Several hospitalizations in humans related to this specific mutation, acquired by individuals dealing with backyard flocks. The logic that your backyard flock mesh is sufficient to protect the flock and you from this pretty nasty bug isn't supported by the evidence we're seeing pan out across the country/world.
Another worrisome attack vector is cats, but that's a whole other pandoras box we'll leave alone for now.
To get an idea of how transmissible/infectious this thing is, it has jumped from birds in Asia, to dolphins in florida, and has eradicated entire populations of seals in latin america, cows, cats, ferrets, rats globally, to almost all bird populations in Antarctica. There is no species / geographic radius that will likely to unaffected. The death rate in each species may vary considerably (cows in US as an example, don't seem to die in great numbers), but it is highly transmissible even between species.
I'm sorry these aren't the best sources, but I'm in a rush and wanted to help you get an idea of what we're dealign with here in the context of your backyard flock, specifically. If you keep digging in all of the themes above you'll find even better sources:
This feels like an insane proposition to me, I'll explain:
1. Soaring egg prices are due to culling + deaths related to the proliferation of H5N1 (Avian Flu).
2. The reason we have been proactively culling is to minimize spread AND MOST IMPORTANTLY, to minimize the number of exposures H5N1 could have to Humans.
3. The reason we want to minimize exposure between chickens and humans is because each exposure of an infected chicken to a human is an opportunity for the virus to jump host, and adapt to better transmit amongst humans. The mutation (mammalian adaptation of the virus) can happen in the chicken before it jumps to a passing by human, or in the human once infected with the virus.
We are only a few minor adaptations away from this thing being BOTH extremely deadly AND extremely transmissible between humans. Worst case scenario. The latest strands found in Canada and now Nevada are extremely deadly, and just need the Human to Human adaptation. With enough at bats, it will have it.
The idea of dramatically increasing the number of humans exposed to sick flocks by having people start their own backyard chicken coops feels suicidal, for humanity.
The latest hospitalized patient in Georgia was exposed through a backyard flock, by the way.
Charlie Munger just passed away. Created a ChatGPT founded on his writings over the years. He recently commented on AI saying "I think old-fashioned intelligence works pretty well." Well, Charlie, here's an AI that hopefully lets your brilliant traditional intelligence live on.
I might be wrong, but most of these programs have partner banks, which take part of the revenue for themselves. I think it's more likely they make Fed Funds minus some take rate from the bank, so maybe Fed Funds - 0.50bps. Point still stands, but I don't think they're making 3.75-4%. Wealthfront is passing through 3.30%, so likely only making 0.25bps on that cash.