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Firstly, I would recommend taking out some of the identifying details in this post so you can keep your anonymity. You haven't said anything negative about your chapter but it's best to play it safe, and I'm sure there are people on these boards who can figure out your chapter by what you posted.
Secondly, I'm so sorry to hear your chapter is in trouble. I understand being scared about it dying out, but I don't think it's a good idea to expand when your "alpha" chapter is in danger of closing. You need to have things squared away with your own chapter before you think about putting in the time and effort it takes to expand. That time and energy should be going into fixing the problems you already have.
How opposed are your members to paying dues? Will it be a dealbreaker for membership? I don't know your campus culture, but I don't think it's unreasonable to ask that everybody pay dues since 1) pretty much every greek organization requires it, and 2) it looks like that's the only way to prevent the chapter from going under.
I would also recommend trying to talk to the Greek Life advisor (if there is one) about your situation. Even if your 6 sisters start paying dues you're not going to be able to cover $6,000 per year, and I doubt fundraisers to cover your insurance money are going to be very successful. The administration should understand that, and if they want to support greek life I hope they will be more reasonable - maybe you could make a compromise about following certain policies so that you can be covered by the school's insurance as I assume the other student groups are. But reading between the lines, it seems like this may be an effort by your uni to kill off greek life, which doesn't leave you very many options... except maybe going unrecognized by the school, which may or may not be a successful endeavor.
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