

Physics is like sex: sure, it may give some practical results, but that’s not why we do it.
— Richard P. Feynman
I think the same is true for a lot of folks and self hosting. Sure, having data in our own hands is great, and yes avoiding vendor lock-in is nice. But at the end of the day, it’s nice to have computers seem “fun” again.
At least, that’s my perspective.
This type of thing is the nominal purpose of credit scores, I believe. (Whether they’re implemented effectively is another story…)