There are many, many solutions to that problem. But in general the risk you describe is still smaller than the nearly certain future of VC-funded businesses, which either a) go bankrupt and get shut down, b) get acqui-hired and get shut down, c) get strategically acquired and get shut down or reoganized completely.

If you think about it, your goals as a customer of a business and the goals of a VC investor in that business are not aligned.