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Point 1 rugby WA ARE looking in to this
Point 2 insurance isn't the problem, the task is massive, running an entire sporting organisation is complex and difficult, I'm pretty close with the guys who run the WA component of my current sport and they put in hundreds of man-hours a year, imaging if they didn't have a national body to oversee. RugbyWA would need to fund (at least) a full time CEO, with possibly other professionals supporting him.
Point 3 even if we stick the finger to the ARU, we can't really do it with the irb. We'll we can, but then we'll be creating a third code of rugby-like sport that might have IP issues with either rugby or league. This is the main reason twiggy is dealing with the snakes in Moore Park.
Point 4 even knowing this, I still voted yes. Multiply the fees every player pays each year by the number of players, I think it would be a significant sum and it'd all go into WA rugby on a unit trust.