IPFS is really just a mix of a torrent tracker with a torrent client, but once IPFS VMs start paying for themselves, people will sign-up in masses. I guess that's what Filecoin is about.
Edit: The way I see filecoin working is anyone can post a reward for a file and once the file is provided, the reward is paid. In other words, it's bit like a brokerage that connects downloaders with uploaders. The difficultly is that this brokerage needs to be distributed and resilient.