I'm not necessarily disagreeing with your prediction, but I predict if things get so bad, there will definitely be a healthy community of counterculture hackers who will do things differently.
My goal once I can finance it is to create a virtual island that my family and close friends can rely on for vital services: emails, file hosting, calendar, contacts, a public web space, etc. If every hacker did this for its close circle the impact would be far greater than the current hacker communities we create.
Notable mentions: https://chatons.org/en & https://yunohost.org/
The big things to consider are file storage, redundancy and long-term stability (availability for emails).
That sounds like a really cool project. What would the costs be to finance that?
The location would either be at my parents', as I move often and they have a rack installed (with nothing in it, the internet link isn't amazing but should be fine) or it could be colocated at a non-profit FAI (https://www.ffdn.org/en). The colocation is probably the most sensible option for the internet link and stability they bring (proper data center context, back-up generators and they have static IPv4).
+ long-term encrypted backups to some random service like Backblaze even if I have duplicate storage, I don't trust myself enough to do everything properly.
The idea isn't new, I have already seen a few online (I remember of two but no links). The focus was more around hacker&friend groups, looking like private tilde clubs. Here the idea is to provide services usable by anyone in my family, with a nice identity (I like seeing it as an island, a village or such).