a_multi_liner_with_args.rb

def users_with_discounts(scoped_to={})
  @users_with_discounts ||= {}
  return @users_with_discounts[scoped_to] if @users_with_discounts.has_key?(scoped_to)

  users = User.includes(payment_plan: :discounts).where(
    paying: true, 
    **scoped_to
  ).to_a
  
  @users_with_discounts[scoped_to] = users.select do |users|
    users.payment_plan.discounts.any? && !users.payment_plan.delayed?
  end
end