Yes but it's just too hard for even experienced people. Even harder to have good reliability, backup. I'm etching my rather average needs setup for a decade and there are still issues and I couldn't yet fully decouple. Life is short man.
There are new tools, apps and solutions every year (easy vm handling, kinda easy vpn, projects like Wireguard, Immich) but overall there are huge things missing to make selfhosting a thing for common people.
It's pretty easy right now. Synology makes things so, so simple and Yunohost is closing in right behind. If you can manage a large spreadsheet, I don't see why you wouldn't use one of those systems.
There are new tools, apps and solutions every year (easy vm handling, kinda easy vpn, projects like Wireguard, Immich) but overall there are huge things missing to make selfhosting a thing for common people.