Will look forward to seeing that reply. My small amount of money is that after Carl's big mound of circles and catacombs are waded through, his reply will simply be that the Academy cannot furnish insurance to off-the-street persons due to the fact that AMA is NOT an insurance company, simply a provider for AMA members and other documented specifics, of insurance from a legal insurance company.
The Intro-Pilot program provides for definite documentation by specially anointed persons, therefore the risk is assumed by AMA.
Both programs are both good and bad, like almost everything in life. Unfortunately they do not satisfy everyone, but then what does?
Personally I think the Intro-Pilot program is just fine, and the one-time program gives a club a chance to display the sport. After watching so many that are barely able to get up and down in one piece try to instruct, I sometimes think the one-time thing is a bit too liberal.

As a note for you newbies: When you go to a new field, find an officer, get the straight details, be a bit humble, follow the instructions and 'get 'er done'. Once you become a person that displays the interest in the club more so than yourself, doing some of the chores, and asking questions more so than smart-talking their 'silly' rules, then you may be well surprised just how fast that you will be the one having to provide answers to those questions you will be getting from those that recognize you as a person with both the knowledge and the ability to 'git-'er-done'.