I am not backing an unconditional 28 day club/school currency rule but speaking as someone who used to hire out a plane for a few years, and have a collection of stories as long as your arm to tell about some of the characters I "met" (undoubtedly already posted here) there is a clear need to enforce a certain minimum level of pilot currency.
If I flew just once a month, I would be a hopeless pilot. OTOH I accept that if somebody just flies along the coast and back on a sunny Sunday, in a simple C152, 1/month is possibly OK for currency. And I know a lot of PPLs do only that.
I would not agree that the club should pay for that; it would be a massive expense for them, and it is the pilot who benefits totally, in currency, in collecting logbook entries, and he gets a flight out of it, hopefully somewhere purposeful.
Flying is not a super expensive hobby but equally it cannot be played right down in the gutter, and a lot of people refuse to accept that.