They are not restricting access, they are offering a lower usage fee to those on the Elite program. In fact for legal purposes they are probably charging everybody the same fee and "subsidizing" the Elite program participants.
O.K., here's the update I've gotten so far. It is my understanding there was an HOA meeting this past Saturday to discuss this particular subject. It is as has been posted here in previous posts. All homeowners have access to all amenities. All guests of homeowners have access to all amenities, if the homeowner is present for the activity. All renters renting through WCVR have access to all amenities. If you are renting a home that is not in the WCVR program, you will NOT have access to specific amenities that are offered. More specifically, the boat house kayaks, canoes, fishing, electric boat rides, etc., Camp Watercolor, the fitness center, bon fires, DVD rentals, etc.. This is an ongoing debate and is being worked on. St Joe and/or Noble House pay a hefty cost to lease these amenity areas from the homeowners, so they feel it is within their right to do this. It is for the purpose of gaining market share. Hmmmm... I'm curious to see if this technique will actually work. For me, it brings up concerns for future restrictions. It has for now, at least, satisfied my concerns about homeowner usage. It has not satisfied my concerns with regard to putting my home with another agency, or doing VRBO. I can not guarantee my information to be accurate, but I did get it from what I deem to be a reliable source.