[nitpick: I don't think I would lump VOIP into that bunch because SIP is a pretty open standard that can work quite with some cheap hardware like an Obihai, and

[nitpick: I don't think I would lump VOIP into that bunch because SIP is a pretty open standard that can work quite with some cheap hardware like an Obihai, and then a large wholesale VOIP provider like flowroute ($2/year for a DID and ~5 cents/min connectivity).] I think there are projects/people working on the things you are concerned about, but it will take time. I believe people are going to have to have some machine on their wired, home connection that is always-on doing background stuff that a SAAS server would be doing. The software business is closer to native applications in that case.