I see, I guess I should have specified that I was talking more about email services like Fastmail, where you are just paying for email and if you break the TOS

I see, I guess I should have specified that I was talking more about email services like Fastmail, where you are just paying for email and if you break the TOS you probably were doing something absolutely bone-headed, and if not then you can just move your domain easily and take your email backups to another provider. Another example would be using some GUI or CLI utility and any generic S3 service to backup data, where you can move the backup to any S3 service you want to. I think that's a reasonable medium between losing everything because you put all your eggs in one basket with Google or with your HomeLab. Family can pretty easily pickup a Fastmail account and understand how to work it, and the same with a simple backup program on each computer plus S3 storage. I feel like this is the "golden path" through the middle of today's SaaS economy without having to train a replacement from your family like you're running an IT dept. tl;dr: Everyone keeps saying Google/Facebook/etc but I am talking about hosting your services with individual corps, not "all eggs in one basket" style.