I think there is a danger in the UK of our music JUST being seen as a means of enabling professional musicians to make a living (and not a great living, mind you). It is a lot more than that.
That certainly is way that some folk clubs are going. It would be a shame if that were to be the case. There are far more people wanting tp play (and those wanting to see them), than there are places to play.
The house concert idea is not really very common here, it might be the way forward and this thread is very helpful.