"how do we get the 3 hours instrument time in 90 days?"
You don't need to if you complete one hour dual simulated, or one hour ICUS simulated, or an hour in an approved simulator. Not hard really, all in the CAO.
No one is saying that you should look outside for attitude reference at night, just that this does not count as instrument time. Deal with it or lobby CASA to get the rule changed.
I think FGD135 might be on a reasonable track in that if you can't see that you are VMC then your not.