Around 80% of data breaches trace to human error, per Verizon's DBIR, and misconfigured self hosting storage is a recurring problem in internet scans. That's the core issue: making self hosting the default turns every ordinary user into a sysadmin responsible for patching, TLS, backups, and uptime. Most people lack the time, skills, or hardware. Central providers aren't perfect, but they hire security teams and absorb failures at scale. Self hosting is a valid choice for enthusiasts, not a sensible default. I would keep it optional. Privacy and control are real benefits, but defaults should minimize harm for everyone, not just the technical few.