Well some of your arguements are valid, except if the club has a charter then the insurance remains the same as the current program we have now. However getting these pilots into at least some insurance is better then none.

Obviously the Park Pilots aren't jumping on board with the current program, so the AMA is taking a shot to get them on based on a niche product and lower cost. If that doesn't work, then what will? The AMA's stance is a perfect example of a lion's for lambs approach. I see plenty of lambs on this board.