Probably a mixture of the reasons you have mentioned.
I would also add apathy, as this CC XP and passes are so poorly thought out (could have been a great idea but as usual WGT only had tunnel vision = $$$$).
Perhaps some refuse to use them on principle due to this as they may have been bitten by buying passes without a confirmation button.
But each CC should make their rules known - if using a CC pass regularly is one of the rules and they fail to do so, just show them the door.
BUT at level 8, there is really nothing in the wind that will benefit your club so personally I would not bother about it.
That said, I use my one FREE pass that is available when I play per day, not that I really see the point. If I lose it due to a crash, no big deal. But it is there so I use it. I now refuse to buy a pass as there is no benefit to the club, the members and only benefits WGT's coffers.
I would however love to hear views what additional and tangible benefits these bring.