It is a fact of life that organisations are free to structure themselves as required, within the regulations, to best suit the task.
In the case of the AFAP and the MBF, they are. They are associated organisations, and you can be a member of one, or of both.
Coming back to Bloggsys one liner -- what is your point?
Hula, when you answer my question, you could for the benefit of J3pipercub and others explain the ethics of forcing a pilot to join a union (the most expensive union by far, to boot) to access a Loss of Licence insurance product.
While you're at it, be a good boy/girl and copy and paste the text of that article for us, or don't you have a subscription?