You’re free to buy the hardware at the hyper-inflated prices that NVidia and their DRAM cartel friends have set, if you can afford it, which most people can’t.

Exactly, this is just the Internet Cafe business model. You pay for time to sit at a good PC, the business buys the hardware and pays the electricity.

If you want to avoid Microsoft but still want the ability to remotely stream to your low-end devices. You can setup Sunshine and Moonlight and use your own hardware to stream. There's essentially zero latency locally and comparable latency when streaming remotely.

It does require a tiny bit of DIY and some research/AI usage/YouTube video watching but it's a free way to make your own personal cloud streaming service if you're already gaming.

(It's also easier if you use Linux, yet another way to screw Microsoft out of your money and data.)