Maybe find a middle ground, like sharing the hosted service with just one or two persons, like a close friend, family member, etc. Could be someone you live with or that you can give VPN access to your network.
That way is more private and mainly for your self, but also has some sense of doing it for others to motivate you.
I don't think it's related. It's been a new years tradition in Berlin for years.
I have friends and family in Berlin and I spent new year's Eve there five years ago. It was totally crazy. People shooting fireworks at each other in the streets and from/to the balconies.
I ended up with a jacket full of burn holes, and we were in a kind of quiet neighborhood on the outskirts of the city.
My bank's app has way less functionality than the web version, but it's used as a second factor to auth some operations, so I have to use both.