Eh well the ROI is kinda debatable among peers but there is no doubt the association provides tons of resources and what generally are called "items of value" (anything you provide to make clients /associates /users whatever) feel as though they "get their money's worth"... so yes I guess you are right there but by no means does paying those fees lead to any return on at all unless I take the initiative to use the resources available to the fullest and make some more $. Simply paying them is just a waste of $ and im out of business.