That's not true in the UK.
A club is just a group of people who meet at a free place. Usually a pub. They will occasionally rent swimming pools - which are owned by the local council so who have to let the public use them. They then go to a quarry and do there open water dives. The kit they have is hugely discounted and will usually be a buddy commando bcd - these are fine and last forever. They also get grant money from the lottery here.
There running costs are very little. Each member pays a modest amount to keep it all running. They do not need to have the same levels of H&S as a commercial operation. The system works well actually.
And in addition to the weekly pool followed by pub meet, the club Instructors are volunteers, so your progression as a diver is funded by your modest club fees. Active clubs organise trips to Red Sea / Malta / Gibraltar at club rates. Some of the clubs in coastal areas own their own RIBs, so the dive trips in summer are relatively inexpensive.
Diving with Friends.