First.... 99% of people have zero interest in hosting things themselves anyways. Like on their own server themselves. Geocities era was possibly the first and last time that "having your own page" was cool, and that was basically killed by social media.

As for certs... maybe at the start it was hard, but it's really quite easy to host things online, with a valid certificate. There are many CDN services like Cloudflare which will handle it for you. There are also application proxies like Traefik and Caddy which will get certs for you.

Most people who want their own site today, will use Kinsta or SquareSpace or GitHub pages any one of thousands of page/site hosting services. All of whom have a system for certificates that is so easy to use, most people don't even realize it is happening.