RE: "Lots of not too well to do folks just get left out?": To be allowed to fly at an RC club requires MAAC insurance but its not expensive, its $75.00 a year for over 18 and $10.00 yr. for under 18. Club membership prices vary but most seem to be either $50.00 or $75.00 yr which is about the price of a round of golf! [8D]