Yeah, you pay for your badge, but you don't own it. It's like renting an apartment. Just because I paid $710 this month doesn't mean I get to keep it forever! The landlord can kick me out for running a meth lab in it or keeping my neighbors up at night with loud parties. And when I die, I don't get to be buried in my apartment.
A badge is the same way. You rent it for your lifetime, and the possession of it is a privilege that can be taken away if you no longer deserve it or don't wish to be a part of the group any more. And when you die, it can't just be inherited by your relatives (unless, in most groups, you give it to a relative who is in the chapter).
Of course, I'm not running a meth lab!
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