I agree w/ most of these points. It's the reality of business. There are always people (especially on the internet) who think that any business that is making a profit is, by definition, ripping them off. Wake up and realize that you live in a market-driven world! The beauty of the market is that if people don't perceive value, they give their business to someone else. Contracts are just a tool for a business; if you don't like 'em, give your business to someone willing to take your money w/out one. I train at a dojo that has contracts and a billing svc but I avoid both by prepaying 3 mos at a time. That's where my comfort level is. I also support the dojo by ordering my supplies there. I could probably get the stuff cheaper somewhere else but I like the place and I want it to be around- unlike all the businesses described in the OP. There's no such thing as a free lunch folks. Expect to pay for what you value. As to the contention that the most expensive places offer only mediocre instruction: by all means go somewhere else. I'm happy w/ my dojo even though it's more expensive than others because I think the instructor is great. You might not but, guess what? It's my money! CPW