But if you just run it locally an a media server in your home, and you don’t expose the service to the internet, that doesn’t really matter? Though perhaps more people connect to their Jellyfin instances remotely than I realize.

We probably live in different countries, but where I live it’s more like you can’t get pre-approved for anything unless you either have a large amount of money saved up, or your salary is high enough that it’s far beyond what you would reasonably need to get paid to afford the mortgage.