There’s running your own mail, then there’s running your own mail from residential. The dozens of us who do the former mostly don’t do the latter, thanks to the obvious vicious cycle.
Just cheaper. I mean again I do pay for a server in a datacentre as my primary server. I have a home server too anyway, so using it as a mail failover adds redundancy for free.
Also I am using windows (smartermail) so even a cheap vps isn’t that cheap.