If only hardware wasn't crazy expensive :/

But it isn't - not for doing stuff like self-hosting files? It's actually incredibly cheap, most people probably have a commodity PC lying around and can shove a few cheap HDDs into it and RAID stripe it if they're ambitious... or just full mirror their files if they aren't. And if you're really scared of loss find some host provider and rent a cheapo instance somewhere geographically far from you to park a mirror of the data.