What do you use? Host your own e-mail? Or use some provider that will close in a few years? Should non-tech person get a tech degree and then with that tech kno

What do you use? Host your own e-mail? Or use some provider that will close in a few years? Should non-tech person get a tech degree and then with that tech knowledge spend 2 weeks choosing their multiple providers and then carefully make decision which one to use for different accounts? How about if somebody can't afford and don't want to use Apple? Just not use smartphones? We're at the point where government services (at least here in EU) require you to use smartphone unless you provide written document that for some reason you are unable to. I've always been "don't like it don't use it" guy and that's a clear and simple argument but it doesn't work in the context of where we are currently. Just the fact that govs and banks only provide you google play services and app store apps which they often require you to use is enough of a problem.