That is an answer for an incredibly tiny fraction of the population. I'm not so much concerned about myself than society in general, and self-hosting just is not a viable solution to the problem at hand.
To be fair, it's much easier than one can imagine (try ollama on macOS for example). In the end, Apple wrote a lot of longwinded text, but the summary is "you have to trust us."
I don't trust Apple - in fact, even the people we trust the most have told us soft lies here and there. Trust is a concept like an integral - you can only get to "almost" and almost is 0.
There are multiple threat models where you can't trust yourself.
Your future self definitely can't trust your past self. And vice versa. If your future self has a stroke tomorrow, did your past self remember to write a living will? And renew it regularly? Will your future self remember that password? What if the kid pukes on the carpet before your past self writes it down?
Your current self is not statistically reliable. Andrej Karpathy administered an imagenet challenge to himself, his brain as the machine: he got about 95%.
Nobody promised you that real solutions would work for everyone. Performing CPR to save a life is something "an incredibly tiny fraction of the population" is trained on, but it does work when circumstances call for it.
It sucks, but what are you going to do for society? Tell them all to sell their iPhones, punk out the NSA like you're Snowden incarnate? Sometimes saving yourself is the only option, unfortunately.