Just because "personal server" hasn't happened yet in the way personal computer did
How do you make self-hosting appealing to more than weird nerds?
Regular people don't like the Magic Box Which Makes Things Work. They'll begrudgingly shove it in a cupboard and plug it in, but even that is already asking a lot. If it needs any kind of regular maintenance or attention, it is too much effort. "Plug in a harddrive once a month for backups"? You'll have just as much asking them to fly to Mars and yodel the national anthem while doing a cartwheel.