That's a good way of putting it.

I wish I were at a place in my life where the difference between $3/mo and $75/mo ($36/year vs $900/year) is a non-issue, but unfortunately I'm not. So for now my family photos and videos will have to be securely stored with the (probably) slightly sub-par designs of the open source software I'm using.

So after all that, we're back to "you are not the right customer". The key to business is to charge an amount that gets the customers you want. Ironically, cheaper customers are almost always more work, fullstop let alone per dollar.