The point of paying an email service is to make me not have to worry about it anymore. Gmail is free, and Workspace is $6 per user, Fastmail is $5 per user, etc.
If I'm anywhere near $20 monthly, I'd rather pay it to someone to have proper email and no "hacks". I just think it's absurd there is no "family & personal" option for any of these services... particularly Google where they could hoover up everyone's inbox like they already do in Gmail, plus make a few bucks monthly for the privilege of allowing me to use my own domain name.
That's literally all everyone wants here... GMail + Custom Domain Name. Google One should have this an a paid option and support X number of other users you can invite (family members with their own Gmail accounts). Families don't need retention policies, GDPR accreditation, etc.