Any organisation you rely on for game development could potentially fail and leave you in a difficult position. However I would put it to you that there are a few big commercial tools out there that are either losing loads of money, or have such generous payment terms that they probably are losing loads of money. These businesses can't keep that up forever and so potentially face a major business risk, and in turn a risk to the work of everyone who uses that tool. By charging a subscription I hope it's obvious to outsiders that we have a sustainable business model that we can continue indefinitely. Open source is a different model, but in the commercial world, developing software is expensive - and if it's not obvious how they fund that, I would say there is actually a much bigger risk that a loss-making commercial tool is ultimately shut down.