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Well, without naming any names because I don't want to sound like I think anyone has solved this problem (though maybe someone has!), but there have been many efforts over the years to work on distributed storage efforts that could help out here.
I'm just thinking, people interested enough in an instance that they'd maintain an account on it and be active on it might also be interested in contributing their spare processing or storage space, even if they can't afford to chip in payments.
Distributed social media distributing its resource usage out to users is a reasonable concept!
