Running your own instance seems to be a common answer here ... that is probably correct but most of us do not have the time, the resources or the skill to do such things ... which is why we rely on others to run the instances and hope that they are accountable enough to the people they have allowed onto their instance.
Bottom line is ... whoever is running the instance ... yes the software is open and available ... the services are open and available .... but ...
The monetary costs are running / owning / renting hardware ... having the skill and training and knowledge to setup / run / maintain / update these systems on your own ... taking the time to maintain all this on your own .... and the costs only increase as your instance becomes more and more popular with more users accessing more and more content.
I will keep accessing the fediverse from an instance I've signed up for at lemmy.ca ... and I will support them because now I am starting to realize that the only way we can keep this new form of social media free and open is if we all step up and support those who volunteer their time and effort to run these systems for us who can't or don't want to.