My original (sort of absurdist) point was exactly that; saying "here's the line between 'smart people' and 'non-smart people'" is both pointless and rude.
Everyone has different threat models and resources.
As someone with more than one weird hobby, I'm pretty sure conflating 'smart' with 'committed to weird hobbies' is a sin weird hobbyists of every stripe commit.
If I don't "self-host", then neither does the corp I work for, with hundreds of machines in other people's DCs...