I think the rule was directed at PPL's not flying within flying clubs, as most flying clubs prior to the 90 day rule, had sensible rules on recency.
It was aimed at PILOTS as a whole not just those not flying within club rules. It is a blanket measure to ensure that a minimum level of currency is maintained in order to carry passengers. I really fail to see why it encourages such argument all the time. It is very simple, if you think you are current enough to fly then you get in and fly the required landings. If you think you are not current enough to do this then you need to fly with an Instructor.
It is not rocket science!