Fair enough, I'm biased as I will never get a PDGA Membership after they screwed me.
Injured as a spotter during a high profile event and the Executive Director of the PDGA at the time promised they would take care of my medical bills.
I sent in the appropriate paperwork and they denied it.
Didn't have the time or money to contest it.
The point is, I'm not the only person who likes to play in tournaments, but doesn't want to be a member of the PDGA.
But by playing sanctioned events, you are essentially doing it partially on my dime. As JC pointed out, most sanctioned events make use of the PDGA insurance. In many instances, you would not be give the opportunity to play any events without the PDGA.
I am sorry to hear about you getting injured.