As financial is a good point to consider, IMO, you should also consider more about management. How good they manage company? How fast they execute something? Are they good in doing business and have experiences you trusted?
If they're keep discussing all the time without taking real execution or they can't make conclusion fast enought. It might make sense that they will run out of cash before figured out a way to survive.
Hey, if you like it, stick with them till they fail to pay you the last month's pay check. Then at the end of it all you can all go to a bar and cry together about the whole thing. I think the experience would be invaluable to you as a person. That experience would be worth more than the reputation damage it might do to your career.[1] All you need is a four to six month's expenses in the bank account.
[1] The purpose of a career is to enable the enjoyment of one's life experiences. No point going to a grave with a great career and nothing else.
I like that idea. You should consider that changing font, color, etc. will bring to bad UI/UX and give unsatisfied experience. You can try to suggest more suitable pair of colors, fonts.
It would be better if you allow to export to HTML/CSS then I can use in my projects, I don't want to integrate into your service anyway.
If they're keep discussing all the time without taking real execution or they can't make conclusion fast enought. It might make sense that they will run out of cash before figured out a way to survive.