I would think that by not paying those MF's your contracts would be deemed to be in default and you could loose all present and future use of the resort and affiliations of that resort until all back owed MF's are paid. Without those MF's the resorts are not going to be able to repair and maintain it at the level your used to. Insurance isn't going to write a blank check for all repairs so money has to come from some where. Reserve funds will pay for some along with insurance but not all. If others elect to not pay I don't think the resort could possibly continue to operate at that same level.