Got it, you are not wrong for a business, but for most people, a decent small server with Star9 OS does the job quite well and it is very convenient.

I can tell you my experience, which it surprised me to the point that now is my default to go, quite reliable and easy is an understatement.

My setup is similar to the product Star9 sells with their SERVER PURE for $1.15K, an i7 64GB RAM Crucial SSD 4TB, little to no maintenance, quite reliable, running for years NextCloud, CryptPad, SimpleX server, Star9 pages (love that one), File Browser, Nostrudel, Nostr RS Relay, Bitcoin Core and thanks to the users Market Place, now as well Monero full Node, uptime Kuma, Dojo, WebTop (surprised how well it works) and IPFS, weekly full backups with successful tested restore from scratch, IMO, a well setup server Star9 is no toy.

Now, if you were talking about Umbrel, agree 100%, tested for a day as a fun project, fun but a no-no for anything serious, I don't get why people host their data or risk their money on an unreliable OS and weak hardware.