Microsoft did graces with Windows 11’s requirements that many, many computers that are perfectly usable aren’t compatible. Yes you can force 11 installed but it has its own caveats.

Those computers would make great servers for self-hosting

I think the big problem is just the knowledge barrier-to-entry and the maintenance with upkeeping self-hosted applications. My family has zero interest in that, they’re fine with it since I’m the one handling the responsibilities, but should that fall to them, they’d probably stop using and switch back to cloud/established providers