There are already plenty of SaaS that offer open source version as a way to push to the cloud and charge for hosting, maintenance, support and some extra features. In that way, a working code have already been commoditized and those companies didn't disappear.
This. First I try it just a little to do a boring part. It feels great. The boring part that was holding me is gone and all it took was a little instruction. The dopamine hit is real. So of course I will try it again. But not so fast. It needs to be corrected to make everything aligned with the architecture. And as my requests get bigger, it needs more and more corrections. Eventually correcting everything becomes too tedious, and accepting is just too easy, and so I lower my standards, and soon enough lose track of all the decisions. The branch is now useless as I don't want to debug or own this code I no longer understand hence I start over. I want work to felt like a training session where you get fairly rewarded for your efforts with better understanding, not like a slot machine where you passively hope it gets it right next time.
I had to use Borland when studying but never really liked it. Later I tried Notepad+ with console for the first time and everything clicked. There is a console for compiling and running and there is a text editor for editing. It was the flow that made sense.
Database is one of those places where it's justified, I think. Application containers do not need the same level of care hence are easy to run yourself.
Not sure about windows but I solved it for myself with basic provisioning script (could be an ansible playbook also) that installs everything on a fresh linux vm in a few minutes. For macos, there is tart vm that works well with arm64 (very little overhead compared to alternatives). Could be a rented cloud vm in a nearby location with low latency. Being a neovim user also helped not to having to worry about file sync when editing.