@webology You've nailed it; one of the biggest gaps in the “self-host it!" Philosophy is the massive hidden technical skill set required to do so well and safely.
Self-hosting is _a_ solution, but it's out of reach of a lot of people. Worse, if you try to offer a platform (any *aaS variation) you may find yourself coerced into becoming the next tool of deplatforming when CC processors cut you off for supporting sex work.
(in conclusion, the real problem is the prudery of Visa and Mastercard :)