Do not load anything if nothing is to be done.

src/bbstool.scm

@@ -119,10 +119,12 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
 
 ;; Load the members database (required for everything anyway)
 (define MB
+  (if (-action-)
       (let ((mb (load-members (*members-directory*) #t)))
 	(if (-needs-bank-)
 	    (members-payments-process mb (*apikeys-file*))
-	mb)))
+	    mb))
+      #f))
 
 ;; If a member is specified by either id or nick, get its record
 (define mr
@@ -202,5 +204,7 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
   ((fees)
    (newline)
    (print-members-fees-table MB))
+  (else
+   (print "Nothing to do."))
   
   )