My worry is they go out of business so quick we have no way to access the material, merchandise paid for. It already has happened with the Japanese web page shuting down and turning everything off and walking away. Alot of money for me just got tossed out the window for that.
If Totem goes out of business, you will be out of luck for every unused credit in your account. (I think that is in the terms agreement. Once purchased, the credits are only good on this site/product.) I also think the software might become a problem (eventually) without updates periodically, but I don't know.
However, the cards you have are yours. You can download any purchased card. You own the product. Several people here have backups, external hard drives, etc. "Just in case" It is your card.
Several models have requested that their cards removed from the store and are no longer available to be purchased. The people who bought the product before the removal, own the cards purchased. Other people can't buy them. Once owned, it is yours.