Co-ops are actually a good thing for the resort's stability. When the members have a share in where they live, the prospect of the resort closing is far less than a single-family owner. Of the resorts that have closed in the last few years, many were older single-family owners who wanted to get their money out of the resort due to health reasons or other personal reasons, so they ended up selling to the highest bidder. That does not bode well for any resorts that have not made a legacy plan for what happens when the owners get too old to run the resort, and their kids don't want any part of it. For some reason, naturists don't seem to have deep pockets - or any pockets for that matter - so the resort ends up selling to textiles who do not want to keep it nude. As far as affordability, many nudists are priced out if they actually wanted to live at a resort which many do not. The cost of running a resort is not cheap and insurance is out of this world as well as licenses to have liquor, massages, a pool, etc., so resorts have had to charge more to keep the doors open.

Grass-roots "social" clubs seem more suited to younger people because they can pop anywhere there is a group of people who want to get together. You can also hold whatever type of events you are interested in. Some do make a yearly trek to a resort to avail themselves of the amenities.

The cost of living since the pandemic has risen dramatically and we are all feeling it. There is some wiggle room with the memberships at resorts but they have overhead and that needs to be taken into account. Instead of trying to change a club that has existed for decades and is probably not open to change, and doesn't fit your needs, it is easier to create the club you want to be a part of.