We’ve been there several times and the owner is great. They have modified the PAYGO option since Covid. My understanding is each person pays $45 and it entitles you to a chair, a shared umbrella, and up to $45 in food/drinks. If you do not use up the $45, you lose it. If you exceed the $45, you pay the difference at the end of the day. Seems very fair.
beachbuddy - don’t stress over the little stuff, it’s suppose to be a relaxing vacation