I'd much rather join the AMA then have to take an FAA certified course just to fly rc models. Thank you for pointing out the flaws with second hand markets- honestly that's something that completely flew over my head.
What changes do you think could be made to solve the issue?
I'm not sure how to solve the issue, either, but I feel there is no "simple solution" and what you're proposing will end up being a major hassle for anyone trying to follow the rules. Others will be punished even though they are flying safe because they're not obeying the letter of the law. And then there will be those that throw both rules and common sense out of the window to do anything they like because "the rules are stupid, man" and most of them will get away with it.
The person in your scenario will most likely end up not buying that quad, because if he hasn't checked out the rules he won't know about mandatory AMA insurance. so he'll enter the store, get turned away because he doesn't have an AMA card with him and most likely never return once he figures out that costs money, too.
Yes, he was ready to drop a thousand bucks on a quad, but the prospect of registering and paying an annual $60 more will make him change his mind. I've seen it happen for as little as $5 to register at a karting place.
You can't make AMA membership mandatory, because the AMA is not a body of government but basically nothing but another insurance company. Imagine trying to make an insurance at say, All-State mandatory for every porsche owner out there.. I'm guessing the other insurance companies would have to say something about it. So all the other insurance companies should get a shot, too, right? figuring out which insurance is valid will be a lot of fun for the guy behind the counter and a a cost factor for the store they work at so many stores will stop selling drones altogether.
This doesn't even take technical concerns or that you can just go out and scratch build a quad into account.
All in all this seems like the kind of stuff the entertainment industry has been trying to do for years. It's been nothing but trouble for legitimate users and I'd be willing to bet real money that it hasn't stopped a single pirated copy of "Scary Movie 22 - The Rehash" being made.
All we, as a community can do is try and make things as safe as possible, teaching others how to be safe while having fun. Of course this battle has likely been lost since before 9500BC when it first became possible to go "hold my beer and watch this!"
Yes, that's when beer was invented, not stupidity...