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What you lose is essentially unlimited credit cap on character ( not on legacy bank ) so make sure that any character with over 1 mil credits deposits them into legacy bank or else they go into escrow which can be efficiently accessed only after resubing, purple gear can't be equiped ( unless you own artifact authorisation ), operations. There is probably more but haven't played that much of swtor recently to be entirely sure of what is and what isn't being lost after sub.
You can still use it, but you cannot equip any new artifact gear.
You cannot have unlimited credits. The hard cap for characters is 4,294,817,295 and for the Legacy bank it's 104,294,817,294. Everything over that cap will vanish into thin air.
This sounds like a lot, but the game is in hyperinflation mode and valuable items are traded off-market for several billions a piece.
Hence i said unlimited. Only those very dedicated or veterans that have litterally nothing that they could spend credits anymore will have earned this much.