But that is not how BBmembership works out of the box. There are four memberships available....
Level 4 has everything 1, 2 and 3 has to offer plus an extra incentive. Level 3 has everything level 1 and 2 has to offer plus an incentive but doesn't offer the incentive that level 4 offers. Etc, etc, etc.
That's why we have the x's and ticks as shown below and that's why we have only one configurable parameter per membership in ACP:
Why would you you force ads on someone spending more money than someone paying less? Your overcomplicating things. There is no one size fits all scenario here but the way BBmembership is presented by default is that you start off on a LV1 and move up to LV4. Each new level ads an additional benefit to the last.