alt Hacker NewsYou said it better than I could! As someone who does software for a living, do I want to come home and maintain a homelab that hosts photos, email, decentralized social, etc? Hell no!
Even if it's fun as a hobby, I don't want to be on call for my own basic online services.
This is what stops me from doing it. I used to host all my own stuff, with custom setups etc etc. But you end up having no free time, or reduces it at best, and it'll break down at the least convenient time.