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health clubs are already highly regulated when it comes to membershipsI had thousands of dollars of prepaid training with 24 Hour Fitness in New York City when they potted that LLC into bankruptcy. Class counsel negotiated a $50 gift card for anyone with claims over $200, or something stupid like that. Bought home equipment and work with my trainer over Zoom.
TL; DR Even in highly-regulated markets, the protections are B.S.