well put britbrat,i had several instructors due to the times they could come to the field to teach,and i did do better with some than others ,there is a click.when i first started in RC airplanes the instructor was charging 20 an hour and that was in 1975 he used his own airplane and an hour was what it took to refuel charge change battery's whatever the case that amounted to about 35 minutes of actual flight time.we have a strict test for cfi at my field,i imagine most clubs do or should.it is hard to lose an airplane no matter the cause,i do sympathies with anyone that has an accident,but that is a risk we take every time we lift the wheels off the ground.