

It is also about confidence which is a real short term thing. First thing I was taught in Economics lessons was governmental policy and fiscal policy rely on confidence - a no-confidence vote is exactly how most governments fail, the same is true of how a fiscal policy pans out. One bad decision can ruin confidence and bingo we are looking at a crisis
Nextcloud has been a pretty good switch but it is getting unwieldy and a swiss knife with a million tools. Run my own email server switched from gmail, but it is a pita VPS server is contabo - not the best but pretty cheap and is European - never really looked into how european they are though and they have US datacenters