I myself (especially as a guide) do not question the point of further membership. But because of that I also often have the opportunity to meet someone "from above". And since I'm not the quietest person, I also say directly what I think about some things. But I don't delude myself that my voice, or the voice of quite a few other "professional workers in sports", would be heard too much

But if I already realize that I won't change much, at least I won't be silent. Because if there are enough of us loud... maybe...
Regarding "cheap insurance abroad", I would just point out that for example for Switzerland the B membership fee can be much too low. For Austria and Italy it will generally be ok. Unless it's a complicated case or a big stupidity.