If you look at more recent games they have centralized matchmaking without servers
more recent games like star citizen or wow? huge games that look impossible from the outside to have a server hosted from a simple computer, let alone dedicated headless server hosting?
except behind the scenes of star citizen proved you can run the solar system on the same computer you play the game on, it was actually a huge brag of theirs for internal testing.
world of warcraft is no different, i hosted a cata private server on a not so great computer over 10 years ago, it only had about a dozen people, but automation that was scripted worked fine and sql data handling also worked fine on my shitty hdd.
that doesn't mean that the EU is going to force ToS amendments in a completely different area
except they have.
gdpr affected how games collect data, they affected the anticheat systems in place. (anticheat is middleware)
it affected how middleware is used by companies, and the blame someone can use on middleware for data handling. (publishers had to come up with new contracts for middleware, like anticheat systems)
and they adapted.
except you do because he cited helldivers 2, which you said has super complicated magical matchmaking and not the totally old and outdated dedicated servers.
i need you to understand how raped everyone is in thinking that server hosting is magic.
cs2 has dedicated, local, and matchmaking. local still calculates the 'server' sided values like hitreg and network entity location. ( matchmaking is dedicated servers just without real choice )
world of warcraft has matchmaking. and quite honestly the whole sharding/layering technology is basically matchmaking as well, its load balancing. private servers already emulated these. if private server makers who aren't getting paid worth a shit can do it, i think blizzard can fucking do it overnight. oh wait they already do because how do they locally test their game. if anything them bragging about their load balancing made it more of an argument of how you can totally run a server on your own shit with players if need be.
(which is going a bit further than what skg is asking for anyway)
star citizen's new tech of their own instancing was also demonstrated on a normal computer to work completely fine and seamlessly.
a relatively new game like ready or not or squad has local, and p2p matchmaking. squad has dedicated servers. these are on the newest unreal engine and most of the networking is out of the box which is how easy and not magical it is.
i say all this to hopefully help you get unraped of the big companies trying to make their tech look insane and hard to emulate or accomplish. truth is low latency instancing and layering has been around for decades. it's just now they're more buzz wordy. you have to remember its silicon valley and they want to look very special. same argument can be made for ToS stuff, lawyers want everyone scared of fighting them, big companies want their shit to sound more special than the other guy for investment.
remember that everyone thinks AI is extremely special and cool and impossible to understand, now look at it, it's the most overbloated industry on the planet. and people just now are somewhat realizing it's just mass indexing with statistical autocomplete, but that doesn't sound as cool as artifical intelligence.
it's the irony in having as much saturated competition as possible is that everyone has to be as special as possible. even some vodka brands will put 'glucose free' on their labels, just to point out how far companies will take their retardation.
think to yourself, how the fuck do these people debug their shit locally if they can't test it wholly.