I disagree. From experience (see my username), self-hosting is hardly expensive. A $50 ex-corporate SFF with a couple of large M.2 or SATA SSDs will be a lot more powerful and easier to set up and manage than a Raspberry Pi, while not drawing much power. The ongoing costs are larger than not self-hosting, but not terrible - unless you want a symmetric connection, the domain name renewal is the expensive part.
Nope, normies pay with sovereignty. Given the entire ecosystem (Microsoft, Apple, Google and Meta being the main ones) is trying to rob me of it, I'm happy hosting what I need and can handle admining, paying for what I need and can't handle admining, and saying no to the rest.
How is responding nope make sense? Many people don't know to build immich or ZFS etc. I do know some self-hosters losing data from just a poweroutage etc. So there are self-hosters that also cry.