This is new to me! "We have Risk Insurance and everything will be fine".
That is one of the most inane things I have ever heard for a reason to act obnoxish and stupid!
I am with many Alums on this! We as a Chapter have mentoring sessions twice a year to work with the Active Chapter. We try to get as many Alums to participate in functions at least twice a year if not more.
One that I could not attend turned into a fiasco, aka Bitch session and help alienate the Chapter.

One of the strongest die hard Alums walked out on it and went home.
Well, it turned out that after a year, the Bad Apples were weeded out as they did not pay their bills and grades kept them out of Active Status.
We as a Chapter became very close to being shut down and I even recommended it at a Meeting.
Basically, we have two mentoring meetings to cooencide with the Semesters and two House Corporation Meetings so that equals four meetings of Actives and Alums.
We as most Alums do not try to run the Chapter, but are there to help. When they do not accept that help until they find themselves in trouble then, there is a serious problem. No amount of Risk Insurance will help them.
As I stated, I suggested in a Major meeting, unless they got it together, then I remmended that the Chapter be closed down.
Maybe the light switch was pulled and the bulb came on!
Now, the Chapter is recovering and doing some great things with a lot less people, but paying the bills, not crying about we dont have a house and cannot rush. A new web site has been done by a Brother Active and everyone is seeing a turn about!
So, I guess my question is, whose fault is it?
Is it the Alums for not doing anything or the Actives who run the day to day?
I still feel, it is Both the Alums and Actives working together to make a strong and solid Chapter.