Which is why google drive or the ms version is the real solution for most people. Zero effort, low cost, automatically backed up, and has a huge security team keeping your data safe.
Until your malware is getting copied to your (insert cloud provider)
It looks low cost, until you realize you want to store your data for the rest of your life. 10 years, 100$ / year. And after 10 years, you either have nothing, or an old synology (or similar) + enough saved up for a new one.
Same reason I stopped netflix at al. Imagine you're 75, retired, you either have a massive collection of films (digital) or .. nothing.
Self hosting doesn't last forever and doesn't have zero ongoing costs. At one point I was running my own nextcloud server at home and realized that I am paying more in electricity costs to keep it running than google drive costs. After uploading all of my personal data (no tv shows, etc) I only have about 50GB of data which costs me almost nothing to store and it means I don't have to worry about backups, hardware failures, hacking, etc.