This is highly unlikely. Imagine OpenAI struggling, and in year 4 of this "commitment" call upon the lenders to provide over $100B in capital. The lenders will

This is highly unlikely. Imagine OpenAI struggling, and in year 4 of this "commitment" call upon the lenders to provide over $100B in capital. The lenders will definitely have recourse if the risk is too high. Otherwise this would simply be a commercial line of credit, or they would be investing the funds directly in OpenAI now.