Retirement generally means less income then when working but more time. I now have the time to get the "free" credits but not the money to purchase those same credits. And as Lonnie says, using the white rocks can still mean that I can play the game for no cost.
Thinking about how this site is promoted, it sometimes appears that there are a large number of non-playing members. Perhaps the advertisers are beginning to really look at the true numbers. There are members who have not played in years and are still on the rolls When a company says that there are over 10 million registered players, an advertiser might expect more views than the company is able to provide. This might be why so much effort is being put into improving the mobile app and drawing in a new type of member; a member who takes the game on the road and plays more often than the PC player who visits, registers, and then fails to stay long term.
As users, we just have to hope that TopGolf can find enough revenue streams to provide a profit so that this site will remain. Hate to see it disappear from the internet like EA's Tiger Woods Golf. I sure don't want to have to purchase a gaming system and then the games to play on that system.