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Now I do have separate bank accounts for Venmo, and PayPal and my primary banking, in the event, those accounts are hacked they can send out large amounts of money unauthorized.

But in the case of a gym, I believe they could just send your debt to collections, you had an agreement with them Whether you pay by credit card or checking account?

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Sure, but you can just ignore that, or tell them to sue you because the debt isn't valid.

They are not going to take you to court and if they put it in your credit report you can dispute that as well.

The only thing they can actually to do you is prevent you from going to the gym again

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