Question about Paid Accounts

Ummm, yeah. I have a question about Paid Accounts. Since you need a PAid Account to play as the Marauder, Guardian, or Viral, if you restart as 1 of them, and you can`t pay for it any more, so you no longer have one, do you play as that race you restarted as, or do you have to restart? Because at some point, I may get a paid account and I want to know if I would have to restart if I`m short on money. :)