Speaking purely for myself, I was a 30-something desk jockey, DINK, and boarded my mare at the barn. I taught 3 lessons Saturday mornings from 8-11, and then rode my mare afterwards. I loved the excuse to have extra barn time and that meant the full time staff didn’t have to be there for the Saturday am lessons, which they appreciated.
I’m a USEF member by virtue of being an AMHA member but not a hunter/jumper, so this really has nothing to do with my situation. Just saying there may be more people out there who would enjoy taking on some fun/easy beginner lessons than you might think of you’re used to the show/lesson barn world. Obviously you all are talking about people trying to skirt the rules, and that’s such a far cry from the scenario I was in where the most prestigious show people went to was the local fair.