I think without some kind of "incorporation" (or whatever the tech/FOSS equivalent of that is), most of these kinds of thing will be vulnerable to issues with the owner's payment methods failing. Even with donation options available it's almost always still being used to pay to the server owner in parallel to them paying server / domain costs out of pocket (and then reimbursing themselves with the donations)

That said, I have to assume there's some way to set up some kind of automated payment option where community donations actually fill a fund that is used to pay costs directly in case the maintainer drops off the face of the earth.