i pay 21k sats a month for cloud hosted alby hub. i can understand why you would not want to pay that much if you are making less than 10x that a month.

if that's the case, then i advise don't bother. i am only just a bit outside of that margin myself, and the cost i pay to keep my xapo bank is quite ridiculous as well. i paid $150 for the first year and then second year $1000. i have to keep my income over $3000/month or i am not renewing it.

forget all the other reasons, if it's not economical for you, don't do it, and don't feel coerced or harassed by people who do. they all have more money than you. you can't get over that hump by spending money.