When home networking equipment start shipping with RADIUS servers you might have a point, but right now all they can do is forward RADIUS authentication request

When home networking equipment start shipping with RADIUS servers you might have a point, but right now all they can do is forward RADIUS authentication requests to your RADIUS authentication server. RouterOS ships with one. But RouterOS/Mikrotik offers some pretty incredible functionality at a sub-$35 price point. It is very atypical of anything (even in the SMB space). However RouterOS isn't a "consumer" system by design. In fact you better have solid network knowledge or you'll struggle even as a power user.