Usually I see these posts and say "Not Again" but Farmer Bill that was a pretty good post. I would tend to say maybe it's time to give it up. Sounds like a lot is going on for you and the $50 may not be worth it for you anymore.
I would go in the opposite direction.
I would look at the $50 as a fee to keep alive a hobby and a group that you care about so that, against the day you're able to get to York again, it will be there. If too many drop out, about 10 years from now, everyone will be saying "Gee, now that I have the time, I'm sorry that the TCA went under and there's no more York."
I don't mind spending the price of one boxcar each year 1) to get the TCA Quarterly (an almost erudite publication), 2) to allow me to attend York when I have the time, 3) to allow me to attend the regional NETCA shows (which I enjoy), but mostly, 4) to continue in some small way to make sure that an organization that serves a hobby I care very much about continues to exist.
Even 5) the TCA HQ News (the little newspaper publication), which is mostly worthless to me in terms of content, is still something I enjoy receiving. This little newspaper reminds me that there's still a pretty darn good train club out there and they're still trying to promote the hobby. Every time I get the TCAHQ, I leaf through it, just as a means of touching base with my hobby. I note which vendors are still advertising, I see the comings and goings of members. And I always zoom right in to the new members from my area to see if I know anyone.
I belong to a collector car organization that is facing similar issues as the TCA. My opinion is that both clubs' issues are not an result of mismanagement or short-sightedness on the part of leadership, but rather it's an issue of demographics. Stated bluntly, the oldest members of our hobby are meeting up with history. If anyone else who remains still wants their hobby to have a grand, organizing umbrella of a club, they need to support that club.
Online forums and eBay alone don't do it for me. I take comfort in knowing that there are thousands of other yahoos* out there with the same passion I have who care enough to band together to be a group. I like meeting up with them regionally and every now and again at York.
Maybe it's just me, but helping to keep that group alive seems like it's worth $50 a year. Anything else I get back beyond that is just gravy.
Steven J. Serenska
* I use this term with the utmost respect and affection.