Hmm, that's an interesting idea regarding the membership. I'll think about that as an option. Regarding the dollar balance, I didn't like the idea of using dollars and then discounting how much a dollar actually cost someone, since at that point you're effectively using a credit system that happens to be called dollar. But a membership where you get a base number of credits per month/year and then the ability to purchase more as needed (with bulk discounts) could work and I like it!
Thanks for the feedback and the idea of how to fix it!