A non-commercial license prevents it from being open-source, and I think already constitutes extremely clear communication about what will happen to users when Umbrel goes bankrupt: they will be stranded, because the license doesn't allow another company to step up and take over maintenance the way an open-source license would.

these companies - if they are so afraid of an OSI approved license - should put certain conditions into their that trigger when they go out of business and the IP gets released