Thanks, that’s a fine point.
@matti : to answer your original question, yes, it’s generally okay to pay for the license yourself and get a commercial license under your name. That way you’re given the right to use Obsidian to work for any organization. However, that doesn’t mean you have ownership over all the data in your vault, that’s a entirely different issue and is mostly irrelevant here. I’m just pointing it out after @Scribe 's reminder.
The reason that we ask people to direct message us is that everyone’s case is different. We don’t want to answer “yes, you don’t need a commercial license” in one place and people just assume they’re in the same situation. Who pays for the license is less of an issue to us, so we’re putting a public answer here that we can refer to later.
Please, if you’re not sure if your situation calls for a commercial license, please read the “Licensing Frequently Asked Questions” at the bottom of this page: EULA Overview - Obsidian
If that still doesn’t answer your question, reach out to us.