Admins need to be ready to migrate ownership to others who are willing to take on the financial or user account management burden.

Yes. Even more, any administration (and frankly community mod team too) needs to have backups in place from the start. Or at least very early.

It’s not hard. Find someone willing to be a co-admin or mod. If you can’t do that … then you’re not actually in a position to be an admin (or even a mod).