There are Nextcloud providers :-)

Here's a list in French: https://wiki.chatons.org/doku.php/services/nextcloud

BTW I'm learning from it that /e/ [1] partners with Murena [2] which offers accounts with 1 GB of free storage. Apparently, Murena is French.

[1] https://murena.io/

[2] https://e.foundation/

Also some of us here work at public companies and these systems are under scope since finance needs away to share/edit financial documents with each other. These big firms have soc1s. Running our own infra would put that infra under scope which is a huge burden.