what about the guys in white, crew, other workers? that insurance covers everyone. the club has it to protect everyone, and it requires a certain level of adherance that might seem hard for you to swallow, and might make it seem less attractive compared to chump etc... but when a worker gets a wheel to the head and is killed or severely injured, it's helpful. I agree that the unnatractiveness is an issue, but the coverage IS VERY GOOD. sell it that way rather than just bitching that we aren't chump car.
I honestly don't know what NASA has, but I'd be interested in finding out how they and chump / lemons / PCA / BMWCCA / etc... do it.
things need fixing but lets not take away what IS GREAT about the club just so that we seem more attractive compared to something that isn't trying to accomplish the same thing.