It's a mix of things. Most users don't get more than 50 sats a day from nostr. So, their only option is to self host somewhere at home. Because Alby as 10,000/mo or Rizful that charges almost 80 dolla...
Ypu can install AlbyHub on a desktop machine for free you don't have to pay anything. You are thinking of AlbyCloud, which really is not necessary. All you need is a computer that stays online, which most normies have.
https://guides.getalby.com/user-guide/alby-hub/alby-hub-flavors/desktop
https://guides.getalby.com/user-guide/alby-hub/alby-hub-flavors/desktop
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