In Cloudflare's case "haven't bothered to send their own keys" implies "haven't seen the need to pay Cloudflare $200/month or $3000/month for the ability to upload a certificate+key". AFAICT only the Business and Enterprise plans allow custom certificates.
It's a CDN... comparing to a VPS is not even close to being fair.
I've never seen a CDN that will let you load an ssl cert for less than a few hundred dollars. SNI isn't supported widely enough yet, so they have to dedicate an IP to you.
