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If you don't like the Federated Service, because it is all open source (Nextcloud, Jitsi, Element, Matrix, Vaultwarden, Wireguard, Caddy, etc etc et) you can move to another open source provider...even yourself.
There is a cost for running a server. Your time (how do you value that?) or the service from another provider, etc.
I certainly agree that the costs are justified. I'm interested now that you mention that the individual services are all movable to your own server. No downside, really.
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