Realistically, most people don't have the expertise of setting up HTTPS enabled web hosting on nginx (maybe Caddy will be easier.) There is just so much prerequisite knowledge for a non technical person to know. What they do instead is either
- Pay for a shared hosting plan on one of the big players like Dreamhost, Bluehost, Hostinger.
- Install wordpress in one click
- Do everything in Wordpress.
- Pray that no one ever hacks their Wordpress installation
Or
- Pay for an agency
- Have an IT professional — like you and me — make the website, and put a link in the website footer saying "website designed by XYZ Inc."
Agree.
From my personal experience I'd add a lot Director/Sr Director in relatively technical companies who manage scores of web application developers. So when you say most, it could literally be almost everyone.