How to self host?

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You'll need to have a bit of knowledge of linux and a spare computer or a VPS. Then look at https://docs.btcpayserver.org/Deployment/

So, the vast vast vast majority of people will never do this.

Ever.

Sadly, yes.

They can pay someone to do it for them or do some research and find node provider that won't be as closed as WoS.

Until it’s easier mass adoption is a fantasy