Sunfish I think you are reading my mind.
The only thing I would add to your list of demotivators is the look I get from almost everyone in every flying school as I walk in the door. I don't have the blue slacks, white shirt and blue tie so surely I can't be a "proper" pilot even though I have lots more hours than they do! I would have thought my money was as good as the next guy's / girl's. Not to mention that in 12 months time I won't be back in India or Asia; I will still be coming in every weekend to hand over a few hundred bucks more for the privilege of renting their crapped out, passenger frightening, late 60s vintage aircraft.
I concur with the Phil Unicomb suggestion though. Best fun you can anywhere!