Everything you stated is true, but just points to how much value there would be to unlock for a company that could crack this nut.
But most of the attempts refuse to take on any liability for themselves, and half the reason to use such a company would be accountability and reduction of personal risk.
For the various home projects I've done before, it always feels like such a gamble with a ridiculous amount of information asymmetry, although thankfully the internet has made great strides in fixing that part of the equation.