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So hosting on your own server protected by passwords and SSL is the only option.
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Nonsense. That's worse than a hosted account.
If it's not legal on a hosting service it's not legal self hosted. Hosting can have private access, then copyright material is possible. It has to be genuinely your own use. It's copyright violation to give the access to anyone else no matter if on your own server or hosted account. It's delusional to think otherwisre.
Open to the public (i.e. other than personal) copyright material will get you banned from ISP, CloudFlare or Hosting no matter how it's shared, even if there is SSL and a password.