Newsensation
Settle down. You obviously are not aware of the origin and rationale behind the establishment of the AAPMBF.
Briefly, it was set up BY the AFAP for AFAP members. The rules of the fund, since inception, have made that Fund available only to AFAP members (or like minded groups as approved eg PNGALPA), as it was they who provided the basis for the whole shooting match.
True not all AFAP members are members of AAPMBF, however, most are. Those that are not are generally those that either have some other cover or are excluded from AAPMBF for reasons of age at time of application, or just don't want any insurance.
The exclucivity of the organisation is no different to any organisation providing membership benefits.
The AFAP does not dictate who can or cannot be members, the fund does that.
Maui