In SA, we note that "there are no dues or fees."

I'd modify that - there is an entrance fee. It's one we set ourselves, and we pay it in pain, and shame, and destruction and guilt. And only we can decide when it's high enough that it's worth the price of entry.

We can also pay an intermittent renewal fee, if we choose. Been there, done that. I don't want to pay it again. I'd spend hours researching how to avoid a credit card annual renewal fee, avoiding this one is worth far more effort.