Its been interesting reading the different rules you have in the states for each club.

In the UK we are governed by the British Model Flying Association. You are not allowed to fly without an instructor until you have passed the BMFA 'A' certificate for fixed Wing, Helicopter or Glider.
The examination is common to everyone who takes the test and comprises:-
1. Carry out pre flight checks.
2. Take off and complete a left or right circuit.
3. Fly a figure of eight course with the cross over point in front of the pilot, height to be constant.
4. Fly a rectangular circuit and approach with appropriate use of the throttle and perform a landing in a designated area.
5. Take off and complete a left or right circuit.
6. Fly a rectangular circuit at a constant height in the opposite direction to the landing circuit flown in 4.
7. Perform a simulated deadstick landing with the engine at idle, beginning at a safe height (approx 200 ft) heading into wind over the take off area, the lading to be made in a safe manner on the designated landing area.
8. Remove model and equipment from takeoff/landing area.
9. Complete post flight checks required by the BMFA safety codes.

In addition to the flying schedule the candidate must answer correctly a minimum of 5 questions on safety matters, based upon the BMFA safety codes.
It is also a requirement that you join the BMFA for an annual subscription of £23 GBP which also gives you £5million GBP public liability insurance.
There is also a 'B' certificate for more advanced flyer's. You are required to have a 'B' certificate before you can instruct.
At least you guys can set your own rules but as a personal point I believe it is common sense to have some sort of competency test. The only deaths you hear about are by people who do not respect the need for proper certification.