Hmm, it sounds like your process of affiliating is more complicated than ours. Members pay their affiliation fees to us with a single cheque or bank transfer, so it's easy enough for them. The treasurer then just makes a single bank transfer to GNAS and another to the county, to whom I email an Excel list of our members. They then take their cut and pass it on to the region. It sounds like the problem your club has is, if I'd understood it correctly, is accepting new members every week. All of our membership applications get considered at a general meeting and we only hold these every quarter, so it's not something we're having to do all the time. Anyway providing the counties and regions don't have any issue with it, then yes a single all-encompassing affiliation fee paid to GNAS and then distributed back to counties and regions would probably make life a lot easier for everyone.
I still say though that members cannot affiliate at all times of the year. Yes there is a period of uncertainty in October, but it doesn't last long and it all gets sorted in one hit. We put a list of all members who have paid their club fees on the noticeboard around this time, and use a highlight pen to indicate those who have paid their affiliation fees, so it's clear to see who is okay to shoot. Unless we filled in a new sheet every single week then that system couldn't work if everyone was affiliating at different times, and I can't think of one to replace it with which wouldn't put me in a similar position to the one your treasurer is in now. Having to constantly check up on affiliation fees and send out reminders, I can see myself getting bored of that extremely quickly. Club officers are volunteers, it's not a job.
Yes there are a lot of myths about insurance. GNAS have since got a new policy, but I am probably one of very few people to have read the old one from cover to cover, so when Archery UK did a feature on it a year or two ago with a long list of things you must do in order to be insured, I knew it was utter nonsense because it was in fact a generic document for sports clubs, and nowhere in there did it say GNAS, AGB, archery, rules of shooting, or even anything that could be interpreted as an obligation to follow the rules of your governing body. It did however make lots of references to acts to terrorism and nuclear war. That said I'm not a solicitor and I don't understand this stuff. If something goes wrong at a club there is the potential that officers could be held to account because they are the ones who are theoretically running the show and responsible for what goes on there. I've heard ordinary members say "oh it'll never happen", which is an easy thing to say if it's not your head that's on the chopping block.