Yeah this is my concern with lemmy overall. Like if a server shutsdown, as far as my understanding goes, the communities and accounts go with it. Like yeah decentralized is great for democracy purposes but the hard line separation makes it a hard ask on time investment. And I'm sure it's more likely to happen to larger instances than smaller since cost will be the hugest factor. I'm sure remaking your account isn't a big deal but we've seen with Reddit a sub/community can be irreplaceable at times.

The first time a handful of large subs are lost on Lemmy I'm sure it'll have great affect on how the community views Lemmy.