And like RCKen and bruce88123 and others are always saying, do the math:

A year of learning > > >
Initiation fee for flying club = $15.00
Annual fee for flying club = $40.00
Annual fee for AMA apprx. = $58.00
Apprx. total to learn for a year $113.00

A heck of a lot cheaper than replacing a crashed airplane you tried to teach yourself to fly.