I'd say it's entirely up to the FSC as to what they want to do with their member base or the industry at large. While they are non-profit (I think), they certainly have operating costs and the like. Giving their members additional benefits doesn't bother me, and if it's reasonably priced memberships then it really shouldn't bother anyone else either.
It's no different than AAA offering special rates on services to their members while lobbying for the automobile driving population at large on issues with the insurance companies and the governments.
No different than the AMA lobbying on behalf of the doctors that pay their dues and the entire medical profession gaining from it.
Of course anyone who doesn't have their house in order should not be relying solely on the FSC to protect them, I'd suggest either spending the money on some quick data entry people or an attorney, whichever you prefer.
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