A question about Zero Knowledge Memberships (zkMemberships)

[NotATether]

First of all, I would like to congratulate the admin for implementing zero knowledge registration - this is a very important step towards having decentralized forums.

Having said that, I have a few questions about the zkMemberships.


1. $20 seems like a lot to pay membership. Why not make it $10? (two payments of $5)
2. How exactly does the smart contract work? Does it have some sort of dApp to go along with it?
3. What happens if a user forgets his password after setting it, since there's no email?
4 and most important, what if someone gets drained? Their login details will be compromised in the process!