The issue with streaming companies is the exclusivity. I would happily pay for Netfix if I could watch Ted Lasso (= Apple+) and Halo (= Paramount+) on it.
But if you want access to original series you have to buy the platform. I pay around €45 total in VPNs, Seedboxes, Usenet indexers… per month. I would happily pay for Netfix if I had access to everything in the world for up to €50/month. But with netflix you get access to a shitty catalogue on only one device for €8/month… That’s not okay for me.
Hosting a mail server is really easy. Making sure Hotmail, Gmail and others accept your emails is a nightmare.
I don’t host my own email, I just delegate my email management to a small provider.