But for an end user, it is free (as in pizza). The free (as in speech) aspect of open source necessarily implies a free financial aspect for end users as well, since if you can freely see and fork the source, then you can also freely download and compile it.
Open source struggles with adoption because it isn't as user friendly as for-profit software. And it struggles with funding because, by definition, it can't charge people for its use.
As MudMan said above, you can't expect vast swathes of individuals to just start paying for something that they can get for free. And people care less about their data being tracked than they do about having software that is user friendly.
Imo, probably the best way forward is some kind if SaaS model. Either like Red Hat where the software is open source and you pay for support, or else standalone software where you pay for access to an already running instance on the company's server rather than hosting your own (with maybe a noncompete clause in the license?).
But you'll still run into two problems in funding. Which is that first, most people care less about their data being sold than they care about not having to whip out their credit card. And second, that if you are doing a good, honest job of providing software to people without locking them in, ripping them off, or selling their data, then you probably won't get any venture capital funding - so less scrupulous competitors will likely establish market dominance with a slicker product (in the short term, at least).