Any commercial business will need cloud hosting or an enterprise grade on prem solution for running a node (or offering endpoints). Especially taking into account things like failover, redundancy, power, etc - there are a number of challenges to run a business on a 'self hosted' node.

It is great to run a self hosted node locally (I run bitcoin core on my computer), and to go one step further to verify transactions on your own instance - but beyond personal use, cloud or a data center setup is almost a must have.

And $100/mo+ is not at all unreasonable