Yikes! So much (incorrect and misguided) speculation.
First, the deal with me was that the community contributed the data and then had free access to it. That was true when I owned ActiveCaptain and it is equally true today with Garmin.
Next, there is no charge for any other developer to use ActiveCaptain. That includes today through Garmin. The blip is that Garmin's data model change has caused developers to update their apps for continued use. That was mainly driven by the European GDPR requirements that companies like Garmin must comply with. One by one, developers are releasing updates to their apps with updated support. Just this week, a new developer who never had ActiveCaptain access in their app released support for it too. Their cost for licensing the data from Garmin as a brand new licensee: $0.
Yesterday, Garmin released a free update for many of their chartplotters to now display all ActiveCaptain data on the chartplotter directly (with easy filtering and on/off layering).
A company like Garmin who views themselves as the market leader (which they certainly are by having the most sales of any other marine electronics company) often does things for the market without a means of directly making income. I believe this was the reason that Garmin acquired ActiveCaptain. They saw it as the right thing to do for their market even though they wouldn't make money directly from it and will even offer it for free to their competitors. You could assume that Garmin will likely have the best implementation of ActiveCaptain because, well, that's their job.
Garmin owns Navionics today. They've announced that the Navionics apps will have full ActiveCaptain support this year.
I'm no longer a Garmin employee nor do I have any ties to them at all. I have no non-compete and my comments are all my opinions based on my experiences.
Oh, and for what it's worth, my wife and I purchased Red Head over a year before Garmin acquired ActiveCaptain. In fact, we purchased the boat before the very first meeting with Garmin discussing the possibility of acquisition.
Try as you might to find the dark clouds, when you get the facts, you'll only find silver linings. If I thought something bad was happening with ActiveCaptain, I'd be the first one out there yelling about it. Right now though, except for them terminating the BlueChart Mobile app like they did, I think they're doing an excellent job.