That's like saying my personal blog going down is as impactful to my health and finances as getting into an automobile accident.
Assume a "personal" blog or site is not making money for the owner, and they have backups of the site to restore if the VM gets wiped or defaced. Why spend money on DDoS protection if it is unlikely to ever occur, much less affect someone monetarily?
Depending on the host, you may get charged a big bill for traffic. If you're hosting at home, your ISP may blackhole all traffic to your residence (affecting your day job and being a nightmare). When it comes to DDoS, most providers are quick to blackhole, and slow to unfreeze, without getting the run around.
Assume a "personal" blog or site is not making money for the owner, and they have backups of the site to restore if the VM gets wiped or defaced. Why spend money on DDoS protection if it is unlikely to ever occur, much less affect someone monetarily?