The money subject can be a whole nother aspect for another day, 'cause I'm talking about who owes who and I've gotta take the cat to the vet in a few minutes...
Your users shouldn't feel like they owe you anything. You made a bet that enough of them would pay their way for this to shake out well, and that bet is between you and your wallet.
You don't owe your users anything, save for your responsibility to keep them safe. You made this huge thing and let them on it for free.
