Red, I do disagree with your statement. Should you remove "... not smart enough ..." to something like " ...90% of club members are simply too daxn lazy... to do anything outside of playing with their toys", then maybe you would be at least 99% correct. I belong to one club that has one CD. He does the initial paperwork and the members take up the labors, but that club is only around 30 members, all good buddies. I don't do much with that club since they are 75 miles away, but it is in my home-town. I do attend all their events and some meetings and help when I can.
My main club (Over 100 members) use to have folks that jumped into the chores. In today's world I estimate that at least 90% of the membership will not turn a hand to do anything. Some may show up for the AM Doughnuts and Coffee, a bit of chatting, but then GONE when the event starts, just like when the CD asks for help as far as a couple months prior. The RCer of today may have the smarts, but the "Git 'er DONE!" falls on less than 5% of the RC group.
Don't forget that to have a really good event, there has to be a lot of publicity sent out, such as AMA's MA event listing, various web sites and clubs notified, obtaining agreements concerning the event within the Host Club, obtaining awards and such, setting up the field a day before the event, which makes the do-nothing but fly folks mad as the field is not available for them at their specific hour. The CD has to organize it all BEFORE the event.
There are a lot of pre-event chores, and they are usually left up to the CD to accomplish everything. If anyone here wishes to match records of being a CD, well I am ready to discuss it. My CD came in March of 1963. I have not missed a year CDing at least one event per year, except 1968, and I have financed events more than not.
Just looking over a wood- plaque that was awarded to me some years ago. It is a carved eagle flying over a forest with cumulus cloud background. The words are "Leaders are like Eagles, they don't flock, you find them one at a time." That goes for the ACTIVE AMA Contest Director!