Ermmm! Someone still has to pay for it.
Yes, the likes of FOD, BPW, etc are a much bigger, commercial venture, rather than say the WDMBA putting on an uplift once a month at Rheola for a maximum of 25 people paying £25 each.
You’re comparing something that probably takes more in car parking fees over a weekend (FOD) than the WDMBA takes over an entire year.
The standalone insurance is the issue in this instance. Not who or how it’s paid for. It seems there are very limited insurers interested in covering such a setup.