Ah, gotcha. There are hosted Nextcloud solutions out there if you can't run your own instance. I've never used them and can't speak to how non-technical the overall process is (I'd guess it varies by provider).

Nextcloud's website does have a page on getting ("free"?) accounts from providers. It took me a hot second to find the "change provider" link, but that allows you to see a bunch of options.

https://nextcloud.com/signup/