It’s for ones that lock themselves off from other instances (look at how beehaw is, for example). Not every community is meant for everyone online. Communities can be obscure, and gatekeep people, if they really want; that’s the point of Lemmy, in my opinion. You do what you wish with it
As soon as Lemmy instances are unsustainable out of pure interest for the concept of the Fediverse. I doubt there will be subscriptions, first it’ll be donations, and then some instances may have ads. It’s an inevitable that both will happen (either on the same instance, or some instances opting for donations to stay up, and others opting for ads to stay up). No one can run the servers necessary for this platform out of pure charity; the bill for the Fediverse is going to be due someday, and it has to be paid.