Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
The Mormons totally have an explicit code of conduct enforced by church disciplinary structures, and I believe we have some mormons and ex-mormons who can explain in further detail.
In general lacking the ability to participate in a high demand religion seems like it operationally breaks social bonds with membership of that high demand religion, so the shunning is part and parcel of the whole thing.
For another religious example, the knights of Columbus offer very cheap life insurance for members and require members to live a lifestyle in accordance with all of the rules of the Catholic church. They will totally kick members out for not really going to church anymore, remarriage after divorce, etc. It's not entirely clear that the knights of Columbus couldn't expand their offerings, but for now the only benefits are minor or community based.
As far as a secular example, I know of a country club which is only open to white men or married women, no gays, de-facto income requirement, no drug use. I'm not clear what non-community based benefits they offered. Greek life(fraternity/sorority) also routinely requires things like church attendance and moral character, and does offer benefits to members. I think owning a chic-fil-a franchise requires joining a private club with conditions similar to what you describe, as well.
Technically it's legal to have a private club with whatever requirements you want. Minimum social credit score private clubs offering large benefits to membership seem like a potential growth market if the trust/coordination problems can be resolved.
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