Help me convince my cow orker that the YMCA isn't going to send us off to the pokey and sue us into oblivion.
For the purpose of trying to prevent the continuing spread of my ass, I am a member of the nearby YMCA. It's a nice and new gym facility and convenient to the office. The only downside is that it's a bit more expensive for an individual - $76 for an individual rather than the $50 the closest Gold's Gym charges.
For a "household" however, it's $96, so my membership has myself and a cow orker on it and she (well, her online payment system) writes me a $50 check every month. Ta-da, $50 membership for her, $46 for me (I proposed an even $48 split, she decided to round up on her own - who am I to argue with a $2 discount?). It's worked well for us for the last year, however for some reason she's developed some sort of issue with the idea and thinks we should get individual memberships - her intention is to tell them we've "split" and she's moved out, making us no longer a household.
It would not be too strong a statement to say that I think she's off her nut to be concerned over this.
Her belief is that everything she ever does 'wrong' she gets caught for and the consequences are not worth the benefit. This recent concern could certainly be prompted by a rather draconian speeding ticket she got last week where the cop wrote her a "reckless driving" cite rather than just speeding - here in VA that's a maximum penalty of 6 months in jail and a $2,500 fine. I'm not sure she believes everyone's assurances that nobody cited under those circumstances (30mph over the limit but otherwise driving in a safe fashion) ever goes to the pokey.
Her statement about this YMCA matter is that "well, it's fraud, isn't it?" I'd say "breach of contract" but I'm not interested in an extended argument over that distinction - even the most draconian DA in the universe isn't going to go after someone on criminal charges for something like this so what difference does it make? Ethically I feel no compunctions about it. The "Family II" plan is defined at "Two adult individuals, with or without children 17 and under, or full-time students 22 and under living in the same household" so clearly others paying the same $96 a month plan are having a greater impact on the place for the same costs. I personally believe the Y couldn't give less of a shit if we're really under the same roof - it's only one billing and one point of contact for them and that's what (I contend) they care about.
If you'd like to see the categories for yourself, you can check out the PDF of the program guide here.
So, the actual question(s):
What's the theoretical Worst Case Scenario here? Is she right, is it fraud? Are there any criminal offenses that apply? Civil penalties that are not spelled out in the contract? Am I out of my mind for thinking that nobody ever would care?
Obviously I'm not going to make an issue out of it - if she wants to end the deal I'll grit my teeth and pay the extra $26 every month. I've just got my curiosity up.