Maybe I am wrong but I thought the premium paid by the AMA was all inclusive... that is to say does not differentiate costs based on individuals and clubs. According to DB, half the insurance payout is for claims against clubs. Ergo, clubs should be paying half of the total insurance bill, including what is paid out by AMA under the $250K SIR terms and the cost of admin.
Do you think ~2200 clubs pay as much for insurance as 150K members? A collective pool, if you will. At any rate, if I understand correctly, all clubs by the same fees regardless of size or exposures to risk. If my assumptions are/were true, then the differences would be great.

Another strategy yet, could make all AMA members authorized to use any AMA club field as we are “one big club”. I find it very funny the dichotomy, whenever the point benefits a particular position it is asserted “well, we (the AMA) are a club” but conversely when the point benefits another view “we are separate clubs and can do as we wish”.

BTW I have never stated I am a proponent of an alternate AMA. I only wish that it becomes apparent there could be other ways. I am not asking for anything other than contemplation. No need to be defensive.