Then it should be fine even without the org?
Edit: It will not be fine without the org, so the “decentralized” claim is a bit of a stretch. From their FAQ:
[…] the lack of funding would mean the foundation is not able to support Session in any capacity and will need to be shut down. As a result, Session would be removed from the app stores, and critical infrastructure like the Session file server, push notification server and seed nodes will go offline.
Where did you get to that 60 cents number? They mention they need 65k for 90 days of critical infrastructure so I calculate:
65000 / 90 * 365 = 263611,11 euro per year for critical infrastructure
263611,11 / 1700000 claimed users = 0,155 euro per user per year
15,5 cents per user per year is still huge though, compared to delta chat’s 0,1 cent per user per year. (which should be comparable since they are both encrypted decentralized messengers)