You aren't buying a bike for $85/year, you are paying for a service. It's like the difference between buying a server and paying Amazon to do it for you. If yo

You aren't buying a bike for $85/year, you are paying for a service. It's like the difference between buying a server and paying Amazon to do it for you. If you are discerning enough to buy a decent bike on (e.g.) craigslist for $50, and are confident that you can do any probable maintenance, the service probably is not for you.