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I like group fitness classes, yoga, dance, etc so don't mind paying something to have that space to do it; but yeah I stopped going to any that were too far away to walk in, say, half an hour. Driving to gym to work out freaked me out too, it feels crazy - a gym should be on your path home from work or really close to work or home, otherwise you are less likely to use it. But I say this as the privileged spouse of a man so rich in free weights that I can always lift heavy at home - if we didn't have those I might be willing to drive and pay to use the equipment.
I think a lot of things are scammy, most investments and crypto are pyramid schemes, the US private healthcare system and I'm not sure Medicare fraud isn't what the public system was built for.