Actually, no financial institutions at all (if anyone knows one who'd support OpenSky with a commercial license, they are certainly welcome). But the data is not intended for other people to profit from without supporting the upkeep of OpenSky. Hence the need for commercial licenses. Any academic researcher (hundreds, if not thousands) gets the whole data for free but that of course has a cost to us.
So, from another angle, this database exists already in a much more detailed fashion, Petabytes with tailored research access:
opensky-network.org/data/impala
The REST API is at the end of the day a nice add-on for live data but it is not our core mission, which is making tons of data available for research for free. But we need to handle that data access sensibly of course. For hobbyist research, we offer the API and tons more curated data here:
opensky-network.org/data/datasets There you also see that we do release/permit the release of datasets both for research and reproduction of results.