> I wish I could put money into an account that would then only disburse small amounts of it over the year, and I couldn’t override that.

This isn't financial advice, but what you want is definitely possible with defi and smart contracts. I'm not sure what in the ecosystem has this capability, but there's a good chance you can get a bit of interest too.

Just stay away from USDT if you're planning to have payouts happen over the long term; USDC would be a safer bet.