Consumers don't want to do it. They're tired. They want to sleep. They want to watch TV or Netflix or TikTok or YouTube or listen to Spotify. They want to turn off their brains in most cases. Maybe spend time with their kids. Or go to the grocery store, or football practice, or holiday shopping, or browse Amazon or eBay, or fret about bills, or prepare their taxes, or fix the sink, or mow the lawn, or play with the dog.
They want someone else to be responsible for the thing. They want a central entity to blame, or complain to, and to pay to take it all off their plate. They just want to send Netflix $14 / month and click a button and never have to think about running their own systems. That's what they want. That's what they will always want, so long as the price is even slightly reasonable.
No amount of wishing by techies is going to change that reality.
Nothing you mentioned alters the fundamental problem: consumers don't want to do it, they're never going to want to do it. They're also not going to suddenly want to do all of their computing by bash. They're not all going to run out and teach themselves JavaScript. They don't want to run their own email servers. They don't want to run their own media servers. They don't want to take total control of their privacy and run their own decentralized social software. Sure, there are exceptions to the rule, and that's all there will ever be, slivers of exceptions.
They want to be able to walk away from Facebook or Instagram or YouTube for three weeks or three months and not worry about whether the server ate itself, or needs updates, or a new power supply, or has a critical security vulnerability - those things all become the consumer's responsibility. If they use Facebook they can shake their fist at Zuckerberg on the rare occasion the service is down; he's to blame for X Y Z; and it costs them nothing whether they use it once per day or once per year (yeah but privacy, they're the product; right, well, step into the average consumer's mindset and out of your mindset).
The majority of consumers could change their own oil too. They don't want to because it's a big hassle to them. They don't even want to sew their own clothes, imagine. Bring back decentralized clothing.
I'm endlessly baffled by the inability of most techies to put themselves into the shoes of the average consumer and just get it, get their point of view, grasp their mindset. It's extraordinarily easy to do. Just try it sometime, with practice it gets easy, I promise. No matter how many decades go by, none of this changes, and yet the techies persist with the decentralized fantasies. One day human nature will change, just you wait!