None of these problems are new, only unexamined really. These problems come from the growth of any community/organization etc. Look at fandoms. They start off with a couple of people really dedicated to the fandom producing good discussion and art, but then a bunch of teens obsessed with shipping explode the fanbase and take over. To illustrate how common this is, I'll use my limited knowledge of 4Chan's history as an example:
4Chan is founded by m00t based off a Japanese site and develops a core loyal userbase. New people discover it and like the idea of being able to post whatever they want and start posting other stuff different from what the "old guard" like. This is dubbed "the cancer that is killing /b/" and there is much grumbling over it. 4Chan grows in size and in notoriety mainly from people trying to out-shock each other and from being a place to coordinate trolling. People tolerate it while labeling it a "threat" until 2014. GamerGate happens and 4Chan becomes the go-to place to discuss it because Twitter and the like censor all talk of it due to SJW influence. m00t gets seduced by said influence and begins banning posts on it. Less than a year later, he gives up the enterprise entirely after the userbase turns on him for basically selling them out.
Here are the key sources of conflict from 4Chan's history that are mirrored here ordered from least influential to most influential:
1.)
User vs. User
4Chan: New users seen as "unfunny" despite all users being new users at some point
Kiwi Farms: Site is mainly about lolcows, the criteria for which is debated hotly, and people complain about the discussion of current events and politics despite that being done on a separate board and a more popular topic
2.)
Creator vs. Site
4Chan: m00t can't social climb like he wants because the site is a liability to his reputation
Kiwi Farms: Null can't have a real life because of constant threats, legal or otherwise, stemming from the board and other hosting
3.)
Creator vs. Users
4Chan: m00t imposes the banning of a topic and userbase turns on him
Kiwi Farms: Null gets depressed and paranoid about law changes and wants to shutter the site and user reactions are mostly mixed
4.)
Society vs. Site
4Chan: The site is known as the "dark side" of the Internet where anonymous users are "hackers on steroids" and coordinate trolling. While some of it is true, the majority don't deal in that.
Kiwi Farms: The site is known as a "doxxing" and "targeted harassment" site that gets government takedown orders for putting up a document someone else wrote. While some of it is true, the majority don't deal in that.
This cycle will keep happening as long as those who hold power in society are intolerant of places like this existing online. If KF closes, any new site that fills in that vacuum will eventually meet the same fate once it reaches the same size. The best long-term solution is to change laws and attitudes by not tolerating censorious bullshit on ANY site instead of running somewhere new each time you're banned for words on the Internet. Despite the doomer-y outlook everyone on here has, I think there are more than enough people in America to support some kind of provision that guarantees free speech rights online (and by extension payment processing). I know that's not an easy solution, but moaning and groaning about how shitty something is being enforced isn't going to do anything. Instead, organize a large group of people together with the same goal.
In the meantime, I realize there are more immediate legal threats to Null and the site. If I was in your position, I'd crowdfund some kind of legal fund to hire an attorney that actually knows law to really outline your legal rights and responsibilities in regards to the site so you can not only have your mind put at ease, but also have a preemptive defense when censors come-a-knocking.