The big CRM problem with a lot of noveau riche pilots (whose cars are more expensive than their helicopters
) is that up until they come across a helicopter, or another pilot who is willing to say NO, everything they have touched has turned to gold and everything has gone their way, hence the frustration when they can't get to their house which naturally hasn't got a navaid within miles of the place.
I think CRM should be taught before any other subject during flying training, and you shouldn't get insurance until you get at least an 85% pass mark.
Phil