While self-hosting as commonly understood is not for everyone, I really hope and think that small-community hosting as a service will become a thing. Basically there's a number of places like https://syntaxserver.io/ which will host (for example) nextcloud for you. You should be able to get that as a supported service from a local company/organisation/group for a price comparable to what huge SaaS businesses would charge. With the difference that you can move the backup anywhere you want, and your data does not touch other people's data.