Not really, because the account is less coupled to the topics. I have one reddit account even though I'm in a bunch of different subreddits (and I'm not even in the subreddit that I originally joined reddit for). I have one discord account even though I'm in a bunch of different discords (and even have different usernames in different ones).

There is only the choice of whether to use the service or not. If you get banned for wrongthink on Twitter, it does not immediately affect you on Facebook.

Twitter and Facebook only ban the more extreme or inconvenient forms of wrongthink. Mastodon servers on the other hand often are Subreddit style echochambers.

I haven't had any moderation issues on my instance.

Sorry maybe I couldn't explain my point clear.

Think Mastodon instances (hosts) as reddit subreddits.

Basically you are creating an account in not universe (reddit) but on instance (subreddit)

And this subreddit is deciding, which other subreddits you can see with your account. (fediverse)

I am questioning the presupposition that one chooses to make any account at all.

Using your analogy:

I don't need to create an account to view a subreddit or reddit. I don't need to create an account to view federated instances.

When I publish content on any social network I am always thinking about who it is intended for. I don't post the same things on Facebook that I would on Instagram, for example.

Users have to make the same choice of what to publish with any other social media service.

Yeah but I am more thinking about not hosting your Instance angle.

Mostly topic based federation is what I am against. (When bundled with identity)

You might be mixing up threads here, I didn't mention single user instances in my reply.