Mode One,

You are just trying to be argumentative.
If the club requires it then the club requires it. In most cases private individuals that own the land, townships, counties, states all require some type of insurance and the easiest thing to do is fall back on the place that does it all in one shot...the AMA. Most clubs require as you pointed out that one must be a member of the AMA to fly at their locations. If all you fly is electirc park flyer stuff then you can get away with flying pretty much wherever you feel like with no major hassles. However if you require a runway then you are probably stuck joining if you want to fly.

You say you have never felt "forced" to join the AMA.
I would imagine though that there are a number of folks that feel "forced" every year.
It probably occurs more in a location that is more densly populated but I am sure it happens all the same.