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I think they get around this by having the pharmacy hours be a few hours offset from their actual business hours. My local Sam's opens at 8 for "plus" memberships and the pharmacy doesn't open until 10 when the ~~poor~~ normal members can start shopping.
This may no longer be true, but when I had my own Sam's membership it was cheaper to get the business club card than the regular you imply is for the poors. They did zero checking that the business even existed, you only had to list a business name.