Maybe there needs to be a fourth tier, Uber-Elite. Augusta, Cypress - etc. - no matter how much money you have you have to be asked to join, and getting a guest invite to play is worth dropping everything to play.
Then there would be Elites in every major city, ones you probably still have to know someone and be invited. The next tier are great clubs, either family or golf oriented, the upfront might be substantial but writing a check and perhaps waiting on a list gets you in.
Next would be privates that allow unaccompanied play (non- weekend) and the upfront is gentle enough to not be a barrier to entry.
On another note, all the neighborhood / real estate courses / clubs built in the last three decades will be the ones that have no land option aside from going semi- .