Dude just get a prepaid mastercard. Surely your supermarket does them. This is like saying "xbox live players should be able to keep playing online even if they run out"
Right now you're complaining that you want to be 221 because you have no membership, right? So it must mean you really want membership again to be that level. See that? That my friend is the bottom line here and you've sunk into the corperate trap, as it were. They take it away from you so you have to buy it again. This is reality, get used to it.