Both of your examples don't necessarily require me to share my data completely with a third party. One could host all of that at home without much computing pow

Both of your examples don't necessarily require me to share my data completely with a third party. One could host all of that at home without much computing power. However I don't think it's entirely just platforms only selling that. Instead I think most consumers don't want to have to host the app at home, they don't want to configure and manage anything they just want to install an app or go to a webpage and have it work and scale.