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.
To actually keep data persistent on IPFS and not be deleted by the garbage collector, you need to have a server(s) pin the node that holds that data.
You either host these servers yourself, or pay providers to store it for you.
And at that point you just reinvented a server simply hosting your data but with extra steps.