Sadly, clubs are dying. The day of the private members' club running their own aeroplanes, or more particularly aeroplanes supplied by individuals or groups of individuals within the clubs, is going - rapidly. Private individuals simply don't have the wherewithal anymore to run gas-guzzling light aeroplanes - unless they're utterly crap, decrepit, run-on-a-shoestring 50 year old heaps burning stupendous amounts of fuel.
I think you are confusing two different things here. A group of private owners is not the same thing as a club. I fly at a club. We, the members, own two DR 400 aircraft, two microlights, a tug and three gliders. All instruction is done by members part time unpaid. We are registered as a not for profit association. We have the resources to maintain our fleet, people pay to fly just like they do at a commercial operation, only rather less
My personal sixty year old gas guzzler lives in the club hangar and pays rent. It is certainly not run on a shoestring, crap, or decrepit. (and it is not available to be flown by other members, although we use it as a standby tug, flown by the owner) I choose to put my money into my choice of aircraft because that is what I want to fly.
The club is far from moribund, we have an active flying and social programme, and none of our instructors use their fellow members as a cheap way to build hours.
Of course you can go to a forprofit school if that is your choice, but please be clear as to the difference between a school, a club, and a syndicate of owners. Please also try not to be rude about other people's preferences and choices.