My only experience of getting underground in the FOD was at the NAMHO field meet in 1993(?) The locals went out of their way to give us good time. I therefore have no beef with them, and have not heard of any reason why I should have.
These are my thoughts on access.
Fact: People who own mines or caves have the right to impose access conditions on their property, just as I can decide who I will allow into my house and who I will not.
If a group of people, whether loosely affiliated or properly constituted, is prepared to administer access on behalf of an owner, firstly it takes an admistrative burden off the owner, and secondly it provides a caver-friendly body to whom I can go for advice. I would far rather do this than deal with the owner directly, as cavers are likely to be much more knowledgeable in most cases than the owner, when it comes to the finer points of access, conservation etc.
To intimate that as someone from outside the FOD you know better than the local caving community what is best regarding access etc smacks a little of arrogance.
We live in the real world. Owners exist. Clubs exist. For many sites, they are inevitably going to come to some arrangement or other. Like it or not, insurance also exists. If I am required to take it out via www.fillmywallet.com insurance company in order to enjoy my caving to the full then I will do so, although I may resent having to part with the cash. If I was not insured, but was required to have it to get underground at a particular site then I should be prepared to accept having access denied. It is my choice to have insurance or to not bother with it. My choice has consequences.
Only owners have a true right of access. Everyone else has the privilege of access granted to them. It might be described as a right of access, but that 'right' can be removed at the owners whim.
So, have I brought the discussion back on topic?