True, but there's a problem for the homeowner in rolling their own private mailserver. Their public IP is almost certainly dynamic (DHCP) from their ISP. This means the IP is going to be in every RBL (Real-time Block List) and no legit mailserver is going to accept connections from that home-stationed server.
They may be able to arrange to "smarthost" it to their ISP's mailserver if they're lucky, but that's something that has to be explicitly configured with the ISP (because you're basically asking your ISP to be a relay for whatever you send) and most commercial ISPs do not want people having their own home-stationed servers, mail or otherwise.
> Technology can be daunting, but its not out of reach for anyone.
Technology, that's true. Connections to other servers, not necessarily.
DynDNS resolves that issue, or you can configure a cloud-based Linux server with one-way encryption.