How common is the host offline problem is in co-op games ? a rant

basically i find it tiring.. whenever i pick up playing a new co-op games and since they are on a trend these days right from last year especially since Schedule I / palworld even some legacy titles like project zomboid and all came up .. they all are on the rise.. but for every other title whenever the host goes offline it becomes a hassle to search up and share save files or pay for hosting servers.. and if sometimes it involves.. editing save files it becomes even more time consuming...