I guess I'm missing something here... subtext perhaps?
You have a wealth of experience just share it
Anyone who posts anything useful here, based upon their experience (40 years sounds good to me) is sharing it. I fly with other pilots from time to time, and point out "little things" which I see. Tough I am not a flying instructor, I have been asked to consider it, and I might one day.
Those who have a wealth of flying experience, can't offer to instruct for "expenses only" or for free, for the very same reason that no private pilot should be offering "expenses only" or "just to build time" flying as a service - that pilot would be taking employment away from someone who has earned the privilage of chargeing for their services.
In all cases, the cost to fly a plane is the total of what a lot of people have to be fairly paid to do their part to keep it int he air. If you want to fly for less, you'll have to find whom of those people is willing to work for less, or nothing.
Perhaps I have missed the theme of your post Overun....