> Your example (laptop being stolen) means you probably don't even have access to your data.
Err.. what? I confess I've not looked into Adobe too closely, but why would you keep your data (only) on their servers? You'd need backup -- just as you'd have to have backup in place for your personal machines.
A typical scenario is a photographer that edits images -- you have maybe a terabyte of data you need access to, and have backed up, in the day-to-day -- and you need access to editing software.
Also, you seem to misunderstand -- I'm not saying I won't use or pay for SaaS (be that Software or Storage as-a-service) -- I'm saying I want a viable self-host alternative -- where self-host might mean that I can pay someone -- anyone -- to get things up and running quickly if I need it, and not be limited to whatever support any one vendor is willing/able to provide.
Now, personally, I'd probably take self-hostable to mean there's a tested ansible recipe that I can plug into a fresh vps, and be up and running. But not everyone wants to, or knows how to, be their own sysadmin -- but having someone guarantee that, yes, if you need it, this and that company can get you up and running in an hour for $amount.
> Here people can't work, but imagine the amount of work if there was a data failure on your machine? Your example (laptop being stolen) means you probably don't even have access to your data.
Ok, so lets say we're a small team of 5 non-technical designers, and I've lost my laptop. I have yesterdays backup, and my team mates can work. I'll have to spend an hour installing Photoshop on a new macbook pro I went to the store and got. Maybe an hour restoring backups or whatever. Lets say I loose 4 hours of work, and make up 2 in the evening. So we've lost one quarter of a total of 5 work-days today, due to catastrophic failure.
Now consider this outage: the whole team is down, and we've lost (more than) 5 work-days. If there was a viable self-host option, maybe we could've all squeezed in 6 hours of work after throwing dollars at Whomever Inc to set up a fallback solution for us. Also much better than all eggs in one basket.