It's not that hard. You can literally use any old computer. I was home labbing long before I became a SWE. Something like Ansible can make deterministic bare metal config that could be accessible to more people.
So, I hope someday that people can buy a box with a local AI tech support assistent which can make it even more accessible to set up a personal cloud. This will happen gradually, first with people on the high-end margins of technical capability, then moving downwards until a curious high schooler can set it up for themselves and keep it with them, letting them stay out of the corporate cloud for most of their life more and more.