You: Buys candy bar.

Membership Card Issuer: “Sorry, but we’re not going to pay for your candy bar. You should have asked us before you bought it.”

You: “Why?? I was starving so it was necessary.”

Membership Card Issuer: “Nope. Still should had asked first.”

Next time rolls around…

You: “Hey, can I buy a candy bar? I’m really hungry but I remember you told me to ask first.”

Membership Card Issuer: “Hmmmm… nope. Sorry.”

You: “WTF. Why?”

Membership Card Issuer: “You don’t need it.”

You: “Uh, yeah. I do need it. I’m starving!”

Membership Card Issuer: “You’re fine. You should walk it off. That will be $20,000.”