You can't just click a few buttons and have industrial machinery - and when you DO get it there's a ton of safety warnings on and around it. And I don't agree with your fundamental premise; self owned computing should be for everyone. It shouldn't be - at least for some subset of basics - arcane or onerous.
Like you sibling I think you also misunderstand my statement: I do run local servers, but none a connected to the internet.
I definitely believe it is for all to have a NAS server, a home assistant, or a NUC setup to run some docker containers.
Just don't let them accept connections from the internet.
For most normal home setups it is actually super hard to make them accept incoming requests as you need to setup port forwarding or put the server in front of your router.
The default is that the server is not reachable from the internet.
You've introduced a new element here - the credit card. And if you did have the money and whimsy it'd still show up with (regulated, mandatory, industry-standardized) safety documentation.
The credit card (or rather, money) was required to purchase the computer, much like it’s required to purchase other power tools or industrial machinery
I guess that depends where you order from. You can get some crazy machines from Alibaba/Aliexpress and the “documentation” they come with is usually… well it leaves a lot to be desired.