I am sure you made your post believing what you posted.
The AMA membership manual is here:
The purpose of the AMA, set forth in the by-laws on page 10 of the same manual state in part: "the primary object of the AMA is to promote and foster educational and scientific advancement in model aeronautics...". As you read through the purposes of the AMA, you will NOT find supplying insurance as a purpose. Insurance is a benefit of membership, not the reason for it.
IHO, the last thing we need are more rules. The AMA is to be commended for taking an axe to the Safety Code in 2004 and reducing the rules to those that actually promote safety. No set of rules can cover all fields. To make the point, go to a glider slope site. The flight line is generally the top of a slope or cliff. Landings most often take place behind the flight line and pits. Most slopes are quite safe.
The last thing we need is to have a quasi police force attempting to enforce rules or regulations. We seem to have enough of that already and are apparently alienating many newcomers. Leave it to the clubs to determine what is safe and what is not, within the terms of the Safety Code.
OH! And Merry Christmas to all (or happy holidays of that offends you).
JR