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.
In the federated world it’s the moderators and admins who get to make the rules and/or decide what they deem appropriate. It’s as simple as that.