Disclaimer: I wrote this article and made this website.
There was some talk of this issue in the recent fediverse inefficiencies thread. I’m hopeful that in the future we’ll have a decentralized solution for file hosting but for now I deeply believe that users should pay for their own file hosting.
I think Tenfingers could be an interesting option as hosters do not know what they host, the data can be modified, and it’s 100% decentralised.