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By definition it stops being a private club when they open enrollment to the public. I am just mentioning this because people keep bringing up they are a private club.Then let them.
Without any government subsidies..
Historically this system works without any outside help, correct.
Personally I don’t care if they exist or not. It just seems like a giant grift to get online donations. Communes aren’t new in America. A lot of them fail because internal squabbles.