That's effectively any membership service where you get a discount... e.g. Amazon prime, arguably... or Membership grocery stores. Pay up front for benefits th

That's effectively any membership service where you get a discount... e.g. Amazon prime, arguably... or Membership grocery stores. Pay up front for benefits that are realized later, upon further action. I have a membership with my local craft brewery that I love to frequent that similarly could be considered a PNBL like financial thing. Arguably, it's also gift cards, though yeah, without any benefit, no one really buys gift cards for themselves.