Account types rely need to be updated, have a look at my list below.

1, Members should be able to edit their account types
2, For paying membership should be set out as accounts, for example Free, premium & VIP
3, For each different account admins can choose witch pages like the index page & etc, questions & etc
4, Plus let admins set witch stuff should be visible, for example widgets can be set to be visible to guest, all members, accounts types & etc.