All of that is fine and good if we were talking about servers that were made for 100-200 people. This is not the case. When we are talking about servers that are house as many people as a large village, we are way past the realm of "community".

> human social structures don't endure like friendships do

IOW, the donation-based instances are not sustainable. If you want to have a service that you can rely on, you will need to resort to a professional service.