Not every body who wants to have their own ownership of certain items wants to get into the full scale IT business of maintaining a server.

Agreed. Though self-hosting is an option, not a requirement.

For my case I installed Bitwarden-rs on my Synology box at home in a container. I realize most people don't want to do that, but for me it was relatively easy.

I only allow access to it from inside my home-network.