What $$$?! The top tier of apple one is £36.95pm. If I spend 15 mins of time every month extra self hosting then it’s immediately not worth it. (Not to mention self hosting won’t be free).
Also, for that price I get: 2TB cloud storage,Apple TV,Apple Music,news,workouts,arcade most of which cannot be self hosted.
Economies of scale are real, it’s possible Apple makes a ton of money and the user is getting a good deal!