You don’t owe anybody anything, just survival and freedom for yourself and that’s it. You can take care of others only after you are safe and content.
To give an analogy, in case of an airline emergency, you put your mask on first before you help others. You are only responsible for yourself and not others. But if you are all set, then sure you may help others and it is encouraged that you do, but not a responsibility.
Looks like I’m quite late to suggest, but couldn’t we use AI to admin instances & mod communities, if not fully then at least the bulk of it? Also charge users on a freemium model so as to pay for admins / mods? Every instance needs an incentive structure to maintain a healthy & happy community and a way to pay for the operations required to run the instance.