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 "thousands and thousands of other people"

"It involves Nextcloud as your online ecosystem"

We have 8 billion people on this planet. 
 Point is, it is being done. People just use what comes on their phone. 
 I know it's being done. I've been hosting many services myself since 2008. It's 15 years later. It's getting better every single year, but we're not at a point where the average home owner will do this.  
 The average home user doesn't install the Google ecosystem either

They use whatever comes on the phone. The key is to sell them a phone or laptop with FOSS pre-loaded.