Last year I was banned from Google Pay without any reason given. Since then I've been trying to move everything to alternatives. For example, changing accounts

Last year I was banned from Google Pay without any reason given. Since then I've been trying to move everything to alternatives. For example, changing accounts from using my Gmail to use an email on a domain I own. If I'm ever banned from my new email provider, I can continue to receive email after updating a few DNS records. The problem is that I wish this wasn't necessary. I really like Google Photos and I haven't found an alternative (free or otherwise) that I like. And I'm also sympathetic to people who don't want to do this, even if they have the technical ability to. It wasn't hard for me to set up NextCloud on a VPS, but it took more than a weekend to get backup scripts working, run the security audit, set up New Relic monitoring, etc. I think about in the past about how a town might have a local blacksmith or a local doctor that everyone in the community trusts. I wouldn't mind being the ops guy for a local co-op for friends and family and neighbors. But I think in this day and age it doesn't work well since people don't care enough about the problem. I told my wife to stop putting files in our shared Google Drive and to install the Nextcloud app and she said sure, but I don't think most people would care.