I suppose hidden behind this question is what is currency? and is this being driven by the high cost of flying?
There is the legal definition which seems clear - so many hours in the second year inc a flight with an instructor or an LPC - and, for passenger-carrying, 3 take-off and landings in the past 90 days.
The discussion is about the detail of how you can do it.
Most clubs would not rent out to someone who hadn't flown as P1 or P2 in the past 28-45 days without a check with an instructor. That could be taken as a money-making income stream for the club, though probably it is part of their insurance.
In my group rules we use 45 days as a guideline limit mainly because we had a pilot who, for reasons unknown, would try to bang in his 3 landings in a 20 min flight every 89th day to stay legal and to avoid flying with an instructor. He was a cr*p pilot getting worse through lack of currency, so we changed the rules.
Now, as I am a super skygod, as are many here, I feel perfectly able to go for longer periods without being checked but I fly enough and regularly enough not to get close to the 90 day limit on passenger flying and I will be flying through the winter (once I get a seaplane).