Hi, Hack Clubber here. Fun fact: The 7% does not completely cover the cost of running a fiscal sponsorship program like HCB! That fee does not make HCB a net positive product to run in terms of cost. It just helps offset it a little.
Speaking as a member of Hack Club and a former summer intern of the same, we started on IRC if memory serves. The first issue is that HC aims to serve teen coders of all skill levels, and IRC is hardly a user-friendly medium. Sure, a skilled power user can learn to work around its quirks in a few hours. However, a beginner to programming/complex computer skills with nothing aiding them but a passion for learning more would find it confusing enough that giving up before learning the ropes is a realistic possibility. In addition, we make use of message search, threads, and other rich features (think Slack Canvases, Huddles, ping groups, etc.) that either can be added to IRC or are already in some server implementations, but simply aren't powerful and user friendly enough. I hope this helps answer your question :)
Hi, Hack Club member + previous summer intern here. Hack Club is incorporated in California and headquartered in Vermont. I am very much not a lawyer and am not speaking for Hack Club in any official capacity, but since California has some ironclad consumer protection laws, I wouldn't be surprised if your idea holds merit. In the meantime, a self-hosted fork of Mattermost is our only realistic option for maintaining comms after Monday that suits all our needs.