Geez SollyLama, for a new guy, you sure sound like you have been around a lot. You make great points, unfortunately, as I said in an earlier post, most people miss the point entirely. A lot of guys keep saying that there is competition and you can buy other insurance. Sure, you can, just don't ever try to compete or fly at a field that is AMA sanctioned. Sure, $58 is cheap for insurance, but get rid of the millions of dollars spent on a "National Flying Site" that very few will get to use and other wasted money spent by AMA, and the dues could be way less. Granted, $58 will not break any one of us that flies RC planes, but it is the principle of the wasted money. A lot of guys have a problem with the stock loss that AMA had last year. That kind of thing happens and unless you want the AMA to keep the funds in a no interest account, those are the chances we take. That is not a big deal to me that they loose it, because they will make up for it in the future. The point is, if you want to compete, you have to join, no choice, naada, none! You can't just buy the insurace, you have to support every other venture that AMA thinks they need to be in as well. That is what most of the guys don't like. If it was $58 for Just insurance, and all of it was used for insurance, probably, noone would complain. But as stated in other forums, it is more like $15 to $20 for insurance, and the rest just goes to support things other than insurance. Unfortunately, that will not change.