Ira d: Yes you are correct. However when you go to those places, the owners cover their own butts and don't give a D_MN about YOU. You go there to amuse yourself. If someone there hurts you the owner has his backside protected and you are left to your own method.
Now at the shooting range there is a certain amount of discipline required so no one shoots toward another. If one is careless, then one will be thrown out of the place. Actually there are no missiles going astray and winding up in your space! [X(]

Would it not be nice if the RC model was always as controlled as those using the shooting range? OTOH each time you do a careless act, would you want to be thrown off the flying field and told to stay gone? []

The SR and BA management have no concern if you get financially overpowered. OTOH AMA provides the insurance plan so a club can more easily obtain a flying facility. The Ins. also protects your well being when some yahoo with no other protection harms you or yours.

Ira d, your thesis is well flawed.