No Stupid Questions
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There are on going costs with running the service so if new customers stopped signing up they would go broke when they run out of money. (i.e. like a ponzi scheme)
Unless they invest your seed capital and pay for your services from growth. This would work when times are good, but could fall apart during any significant financial crisis.
The current offer for the named service is asking for us$800 for 10TB, if they followed the 5% rule that would leave them with us$40 per year to provide the service.
You can easily buy 3 10TB HDDs with that money, plenty of redundancy, no need to have someone else do it.
Is there anything that can be installed on a hdd that would create your own personal cloud device (that can be accessed over a network)?
Oh yeah. Get a cheap laptop, pi, or PC. Whip Linux and casaos on there. Instant web based environment for file access. Add jellyfin or Plex for media streaming. Setup a VPN service to access it remotely. Takes some googling but well worth it.
Cool! Thanks!