MeCJay12

This is already a product

Like which ones?

For the moment, I use microk8s for Home Assistant and the Matter server. If either container craps out, it's destroyed and a new one is spun up. From there, I have two TBRs. They are both comissioned and if one dies, my end devices can fail over to the other.

I prefer this because I can actually backup my Matter server and I don't have to re-pair all my devices if the server dies unlike a Z wave/Zigbee stick.

You do still need Home Assistant doing the automations. I'm comfortable having one instance with container level HA. You can have a second instance of Home Assistant watch the first one and only run automations if the first one is down if you want.

This is the EXACT reason I standardized on Matter.

That's true except the priority rule isn't enforced and the rails aren't maintained so they would just end up with the same service issues that Amtrak has.