For what it's worth, pubnix - public accessible UNIX systems - were/are that to an extent. You'd get a free account on some shared system, you log in via a terminal, and you get access to all those things: gopher/gemini/web hosting, chat, bulletin boards,...

Some modern day examples include: https://tilde.town/, https://tilde.club/ and https://sdf.org/.

But shell access doesn't appeal to non-tech users. It's the difference between engineering the electricity in your own house to become self-sufficient, and just expecting to magically get power when you plug a device in the socket.