Ama
Suppose that the non-AMA member sets up a chair and some unsuspecting wife of a member trips over it and breaks her back. She sues the landlord, and the club for neglience. The landlord is covered, the club is not. If there is a judgement, you, as a club member must shell out. Forget whether it is fair, the tort system makes it possible. Are you willing to put everything you own on the line to let a non-AMA member fly? Most clubs answer with a resounding NO.
JR