"But you hardly ever go to folk clubs. What grounds do you have for saying that?"
I stopped going to clubs around 14 years ago - by which time the rot had well and truly set in
I maintained my contact with people whose opinions I respect - many of whom I've worked with in the past who confirm what I believe - some have actually packed up altogether and you might be surprised at some who have said they are hanging in by their fingernails.
The dozen or so clubs I have visited since we moved have been further confirmation of my impression.   
Arguments such as these are enough to convince me that many of the clubs bear no relation to the music I came to know as 'folk'.
If nothing else, the inanities that pour forth from one professional 'folksinger' on this forum convince me that some club performances should carry a health warning
I really have said this on numerous occasions - you don't accept it - tough!.
Jim Carroll