This topic seems to come up on a fairly regular basis, the folks who just want to fly and those that choose to fly at an AMA sanctioned field. Now, I do not belong to the AMA but I do belong to the Canadian equivalent the MAAC. Why you ask, for some good reasons I think.
First is the liability insurance. If something should go terribly wrong and you damage someones property or worse, without insurance you are personally liable. In order to keep your AMA insurance in force you must fly according to the safety code.
Secondly, quality instruction. Being someone who came into this hobby later in life then many of you I knew that learning to fly on my own would be a long and frustrating experience. By having an experienced instructor by my side it has proven to be a valuable asset while learning to fly. (A benefit of being a club member)
And lastly a club membership allows you to enjoy the social aspects of the hobby.
The biggest issue when it comes to clubs, any club, is the generation gap. This gap exists socially, technologically and ethically. You will never change that but you can work with it. The older generation seem to believe that a model that was not built using traditional methods and materials is something less than a model. We know different and I am constantly amazed at the reaction I get when I explain the model is constructed from foam board and tape.
For many of us electric power is our primary power source. But if you think about it, even 20 years ago, it was still a relatively new and somewhat cumbersome power source. Technology has advance so quickly since the advent of lipo's that some folks haven't kept up. And lets not even get into FPV and multi rotors how much they have advanced in the last five years.
Just one last point, it is because of the hard work of volunteers at the AMA and other like associations that we even use 2.4 gig radios. Whether you realize it or not our radios must be approved for use as transmitters in your respective country. What a different world this hobby would be without 2.4. Rant over, good luck WJ.