We still need servers as rendezvous points, and we can't expect everybody to run their own services. Properly setting up a mail server is hard.
So, everybody who can should run XMPP and/or SIP servers and hand out accounts to their friends. Both telephony/messaging protocols have inherent capabilities for federating with other people's servers similar to what email does. And with OTR and ZRTP we have real end-to-end encryption without relying on (broken) SSL certificates.
The technology is ready, now it's time to make it usable. Let's help people to move their lives back out of the cloud.