Sorry for the rant but, seriously?
Stop blaming the consumer for not working their way out of an impossible situation.
Profiting from people who can afford stupid only encourages stupid. Then we end up with stupid being promoted as what people want because it's profitable.
Welcome to startup country.
Some people do not want to put the time and effort into learning about household things. And sometimes that's OK. Even consumers who are aware of routers being rented probably don't view they are "losing $150 yearly" to Comcast or Verizon - it's a convenience for them and allows their ISP to manage upgrades, replacements, and allows lower techs for those ISPs who do house calls to debug a router (since it's what they are trained on).
Sure, run your own home cloud, but i bet the article doesn't say "consumers losing X a year because they subscribe to Dropbox" or "X a year because they pay for website hosting", when they could use a free host like github for basic html files.
No, I didn't say "only people who can afford to be stupid are stupid".
How? It would seem like a disincentive to being "stupid" (naive is a better word for it).
Customer gets what they pay for and provider gets free money. Where's the disincentive here?