If I Quit the Commune When Contributions Become Too Heavy, Have I Lost Out?

A member said the future contributions are unknown; if contributions become too heavy in the future and I quit, have I lost out? Let's not explain this from a moral or charitable angle, but purely economically:

Here we need to change our thinking.

The Commune gives a member a right—the right to receive a sum of money in the event of a critical illness—and this right is worth money. To obtain this right, you need to pay a certain cost. How much do you think that cost is?

That's right—what you paid during your time in the Commune is exactly that cost.

You stayed in the Commune for three years and obtained two years of rights. There is no question of losing out.

Joining the Commune when your protection is insufficient, and quitting the Commune after your protection is complete, is something the Commune encourages. The only aim is that whenever a critical illness strikes, you always have money. This is the purpose for which the Commune was founded.