I think we could go round the houses on this subject all day. The reason amateur football is on its knees is down to one very simple reason and that is players!
If every single club had 16 committed players week in week out then no club would fold in my opinion. I have never heard off a club folding that had 16 players available every week or at least every other week.
The change in society socially means that players only interest at the weekend is getting off their heads. They wake up on a Saturday morning and just couldn't care less about playing football. More and more are playing Sunday football again as, without being disrespectful, it's generally accepted at that level too play no matter what state you are in whereas most amateur clubs would frown upon it and you would not play. If players were dedicated to their Saturday amateur club then I do not believe we would be having this discussion as all clubs would still thrive and be on the go.
Work also plays a huge part as the vast majority of players these days work shifts and weekends too, either as part of their rota or for overtime. In this day and age very few people can afford too turn down time and a half/double time for a Saturday shift.
The paying of players by certain clubs does not help either. Players would rather go to a club paying them to sit on a substitute bench rather than playing elsewhere for a club that needs them to help them survive.
There is simply not enough dedicated players going round to keep all the teams running and if there was, I truly believe that all the side issues would not be a factor.