Look into a static website built with Hugo. You'll be creating pages in markdown like obsidian. You can host it locally so there's no privacy concerns.
If you want it externally facing then there are some options but you'll need to find a site to host your static website and who you're comfortable with their privacy policy.
That is entirely up to the author who is creating the original work. They set the license and people can choose whether or not they want to work with the license. If i wanted to use someone else's work for commercial purposes then i would just ignore any works released under a NC license. I'm not entitled to someone else's work just because i need to eat