Why would most people need a home server rack? That's a lot of noise, space, and electrical usage. For what most people would need a home "server" for a NUC PC or Mac Mini would do the job.
Ziply Fiber is offering 50 gbps home internet connections in some US locations. You cannot utilize that type of speed with a Mac Mini. Even the modest 8-10gbps connections offered by T-Mobile and Google probably require more.
VPNs. If you have a NAS and require high-speed access from/to your home files (dumping your Apple ProRes RAW rushes off your external SSD, so you can keep shooting your video, for instance), that kind of bandwidth cements your income.
> You cannot utilize that type of speed with a Mac Mini.
Mostly because the base Mini has Thunderbolt 4 which maxes out at 40Gbps. Anything with a PCIe 4.0 x16 slot will take a 100Gbps NIC. 100Gbps is around 10GBps (8 bits per byte plus encapsulation overhead). Desktop CPUs can do AES-GCM at 2.5GBps+ per core and have up to 16 cores and around 50GBps of memory bandwidth (dual channel DDR4-3200), so the NIC still seems like the bottleneck.