I'm not an expert in this and don't know about the Google spider for content, but I do know that for adsense the contact at google I was emailing with specifically mentioned that it was okay for me to have adsense ads if I could set up a way for the google adsense spider to get in to the data even though the content normally requires login. So at least for that one bot I'm assuming they wouldn't call it cloaking since they told me to do it.
I'd be surprised if they called it cloaking if a user can get to that same data by logging in since you're then not giving different data, just requiring login. For paying for access, that may be something different since a regular person couldn't get to that data.
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