Arnout,
Does this not answer some of your questions?
I know it did mine, although I am sure that there are some money saving measures to be made it still gives an account of what goes on and where.
I agree with you that if you give advice than you should have som sort of recompense, but that is not what this site is for. we don't have a pay-per-view system and if you don't want to give free advice then don't post it.
I don't really benefit from group buys and certainly not from the club insurance because I have never found anyone to beat my yearly premium, but I know others have.
Plus the free information that is supplied on here when something 'happens' to the car is easily worth the £10 that is asked for.
The mods and site organisers do a good job (even Mawby, although he's not a Supra owner) totally unpaid and often against some hostile backlashes and I personally think this is one of the better forums on the web.