$200/mo to get yelled at an unlimited number of times sounds equally insane.

Not if you don't want to spend your late thirties on dealing with the health problems.

That's a false choice. There are infinite ways to get exercise on a regular basis that do not involving spending anywhere near $2,500/year.

I'm not saying it won't work. I'm saying it's possible to be both healthy and not financially inept.

Those are the tales that are told by the majority of the people who somehow can never make it to the gym.