We have a rule in my club that if, in the opinion of 2 club instructors your flying skills are not up to par, you get a red sticker (student) on your club card and are not allowed to fly without an instructor on the line with you until such time as you've demonstrated proficiency required for solo flight. Crashing in the pits or into one of the fixed structures on the field would certianly get you a red sticker.
We're a club on a Marine Corps base and many of the members are retired military so there's a high percentage of older fliers. Fortunatly I've found that most won't fly beyond their capabilities and most will ask for help when they need it, but there are always the few.........