Mostly there is no issue; if the game fail and the server close, you can't do much. This is the downside of MMO. They need a server to run.
The investment made was for the alpha and beta, not for the game itself; so you can't really bring that on the table. That was your choice; like many made a choice to become lifetimer for other MMO, paying a hefty price when the game launched. If they close the server; too bad, but it is part of the game.
If the issue is on the single player; it is legit to expect that Frontier will have some day a fully functional copy that can run independently from the server. Basically a copy that start the game with a big bang, no previous history, fresh as the day of the launch, so you can so basically all on your own, minus the online features.
I won't be surprised if some random soul would actually start to make a mod, reverse engineering the game, to allow it to play offline...they do the same with steam games (yes, they are illegal) . In a way or another, tehre will be a way to play the game offline, if the server will ever be taken down. Altho I still play with need for speed unlimited 2, and the team that made that game was basically dismissed years ago...the server is still up and running today.
Then the logic question would be: if the game will be so bad to force them to take down the server, how many people would be interested in play it, even offline? I don't recall any matrix online player that miss that game
Still too early to talk about this; maybe it is not even an issue, because if the game will be good, people will play it and nobody will close the server; if it will be bad, there will be nobody that wants to play it anyway.