At this point your average person does a poor job of securing their home non-server. So while people might be pretty handy with their computers in some ways, I

At this point your average person does a poor job of securing their home non-server. So while people might be pretty handy with their computers in some ways, I think it's reasonable to consider that they're very much not handy at all in some pretty important ones. Home computers are frequently unpatched, poorly maintained, and malware-riddled. I don't think turning them into servers is likely to improve this situation much.