I use rented dedicated servers for everything, and always travel by bicycle or transit. It's not as ridiculous as you make it seem.
You might like installing and configuring software, I don't. I'm more than capable of doing so myself, but I'd rather build things on top of other things. I'd rather use a battle tested Secrets Manager and have db replication set up for me. I'm grateful to people that like doing these things I don't and I'm expressing my gratitude by contributing to their paychecks via my cloud bill.
To go back to my initial reply, if you change the context, eg the context is driving a car, you can't possible crash the car you are not driving. If the context is "get home after a few too many pints at the pub", then riding a horse is much better than driving a car (and crashing it). Context.