Hosting your own is really the only way. I'm still trying to figure that out for myself and then my family.
Discussion
The Cypherpunks realized that they were the way forward, despite Chaum’s promising eCash technology (for which he wanted to keep his code private, not FOSS, thus NOT SOVEREIGN).
Stack on.
Nextcloud could be an option. You can even install that on a start9 server easily.