Just a further thought - in my experience big syndicates are the way ahead!
For some reason, a great many people are very content to buy shares and then fly single-figure hours per year.
This is great for the rest of us, since they are still apparently content to pay their monthy subs, and have no choice but to pull their weight with aircraft cleaning occasionally (actually, this last may not be true) - but effectively subsidise the rest of us who actually want to fly the machines.
G