A way to "involve" owners/members in the Co-op

If you don't work you pay $10 for that month...right? No biggie, but collecting is sometimes difficult. What if all owners/members pre-pay their $120 when they renew or join. Then each quarter they will receive their money back for the times they worked. If you work each month then you get it all back and if you don't at least the co-op has been compensated.