I know of only one club that was, reputedly, once run for personal profit and not always honestly. Non-payment by clubs is exceeding rare I suspect, but I've had trouble myself at a festival. I'm not sure what your point is.
As I'm sure you know, dissatisfaction is caused by unmet expectations. When people go to a festival they usually know what they'll get, and they usually do get it. Festivals are broadly similar, with three or four models at different scales.
Clubs can be a different as chalk, cheese, pea soup, polar bears or chessmen carved from carrots. It's easy to go to the wrong type and be dissatisfied.
Workshops are extremely rare at clubs, and few could or would be able to run them, so I'm not sure how that's relevant. Yes, clubs encourage beginners, and festivals also showcase new talent.
Numerically, people would perhaps go to a festival 3-5 times in a year, but a club 52 times, or more if they frequent two or more clubs. Perhaps that's the reason the difference in online comment.