As someone who runs a little Patreon, nah.
Creators on Patreon get to choose if it's set to pay upfront, or just at the first of the month, and GRisk's Patreon is set to the first of the month. I still haven't been charged a cent since I subbed, but I have full access to the download just fine.
Someone could legitimately sub to GRisk, unsub at the end of the month and resub at the beginning of the next month and get full access for free forever, which is probably why most creators switch to the "pay upfront" mode.