Re: Paying for testing?
My students pay no asscociation fees but they do pay grading fees. That is how I support Honbu and oh all those yudansha that take ukemi for the kyu grades get an honorarium as do the examiners.
I totally agree with Ian - I see no reason to justify the fees charged or instructors making a bit of money. I am sure I would do what I do for free but that bit of beer money is a nice touch.