Let’s say that your religion considers one day a year to be especially holy. On that day, people complete a 10-day period of self-examination and making amends. Meanwhile, God decides what is in store for the coming year. Members of the community — even many who rarely attend services — gather to chant special prayers.

Now imagine that, to be there on that day, you have to pay hundreds of dollars.

That is the situation faced by millions of American Jews every Yom Kippur. At most synagogues, to attend services on that holiday, which this year ends Saturday night, one must have paid annual dues or have bought special tickets. The fees also cover tickets for Rosh Hashana, the Jewish New Year, which was last week.

While nearly all congregations offer discounts or free tickets based on need, the regular ticket price can prompt sticker shock. To take an extreme example, Temple Emanu-El, on East 65th Street in Manhattan, charges $2,970 for the best seats, which includes annual membership.

Many Jews recoil from what they deride as the “pay to pray” model. Young Jews, in particular, often save their money and withdraw from religious life.