Serious question: charging ahead
 

I have a question for those who have membership based sites and in addition to monthly recurring fees give their customers an option to pay 3, 6 and 12 months in advance:

Are you concerned about the following?:

- If your site goes belly up - you personally will be responsible for returning money to those customers who have paid many months ahead?

- Re-bill customers are more loyal customers and don't need to be "bought" again when their one time fee membership expires

- You can get more money out of a customer by having him on a rebill

- If you sell your business all the multiple month memberships that are still active are "liability" and decrease the price of your business.

Thank you for your opinion!