"I already belong to a health club, a church, and the Kiwanis Club,"
Tammy Golden of Los Angeles wrote. "I’m a member of the Von’s Grocery
Super Savers, which gets me a discount on certain groceries. These are
all well-managed organizations with real benefits. None of them send me
a confusing bill once a year and make me work it out myself, then throw
me in jail if I get it wrong."