I would love to start a small business selling pre-configured Pis with an external SSD and the basics of a self-hosted setup (Nextcloud, Bitwarden, Mastodon, hopefully Matrix once Dendrite is production-ready) along with a basic auto-renewable domain subscription. There _might_ be enough people concerned about the security of their nude pictures and the censorship/disinformation practices of FB/Twitter that they'd be willing to pay $150 + $10/year in order to have a turnkey 'your personal, private cloud' product.
Two issues I wouldn't know how to solve are:
(1) backups - not having backups for your personal data would be utterly irresponsible, but adding an E2E encrypted cloud backup to the package would come with substantial recurring costs
(2) public Internet access - from what I understand very few Internet providers will allow you to just run a publicly-accessible webserver from your home router, and for a lot of people it's going to be a bad idea due to having a crap router and horribly unsecured devices on their local LAN. You would have to add a cloud-hosted bastion server, which could be super small and cheap, sure, but it's still a monthly cost and now your 'personal cloud' is reliant on Hetzner or whomever, killing the product's sales pitch