Having others run a service for you is a good thing! I'd love to pay a subscription for a service, but ran as a cooperative, where I'm not actually just paying a subscription fee, instead I'm a member and I get to decide what gets done as well.
This model works so well for housing, where the renters are also the owners of the building. Incentives are aligned perfectly, rents are kept low, the building is kept intact, no unnecessary expensive stuff added. And most importantly, no worries of the building ever getting sold and things going south. That's what I would like for my cloud storage, e-mail etc.
I was thinking about what if your "cloud" was more like a tilde.club, with self hosted web services plus a Linux login. What services would you want?
Email and cloud make sense. I think a VPN and Ad Blocker would too. Maybe Immich and music hosting? Calendar? I don't know what people use for self hosting