So because it does not exist anywhere else means that it is not the Norm here? Is that your statement or is it just your opinion that it should be the norm. My club or any other club I have been to operates as you suggest. The Student and InstructorMAY share blame in a crash as far as I have seen and the Instructor may volunteer recompense for a crash but none has been expected, from what I have seen. Have you seen diferent? Or do you want to see diferent? You have a very firm opinion and defend it well but I just do not agree or will ever agree with it. I fear that if many people took your view then our small hobby would get very small as the number of instructors would be few and no one would have anyone to turn to when learning.I just think it is a bit harsh to tell every other pilot on here that they should not be an instructor unless they meetYOUR specification that no one else seems to share.