I would probably instruct in your shoes, if I could find adequate insurance. Or find an owner who needs a very-occasional pilot for his citation or king air. Some guys rather than retain a full-time pilot just use a pool of several guys, and hope one will be available when they need him. Or maybe a 135 guy who needs a backup pilot.

I have nothing to do with my club for the reasons you mention. I'll check back every year or two to see if anything's changed