I understand. It is, effectively insurance. You have an unknown risk, and negotiate a flat fee in advance to cover it based on average risk. This is what insurance companies do. Of course, in a competitive market, insurance companies modify the price based on risk factors. Your age. Your health. Where you live. Perhaps how often you go overseas. Generally, they look at the factors they can easily measure that make a big difference.
Of course they sell a lot of insurance, and hire teams of actuaries to work out what those prices can be. Alcor can't efficiently do that, though it could consult an actuary on basic risk factors like age and location. The tables for age will be already well know -- how likely is each form of death in each given age bracket.
Another thing that's well known is the cost of med-evac, since you can buy relatively cheap insurance for it. Those insurances even cover returning your remains, though not on ice and not in a hurry. However, it means the actuaries can probably easily work out the probabilities and costs. Alcor only offers standby in USA/Canada which makes it easier to do.
Best of all would be if Alcor could convince a regular insurance company to underwrite this. They are professionals at it. Of course, they need to know they will get customers. The 1500 signed up for the various cryo companies might verge on being enough. The insurance company would have no understanding of the costs of a standby, but Alcor knows that average. The insurance company would understand the probability of a life-threatening event, and even know how many don't end in death.
I might wish to self-insure. My credit rating is good enough that I can put the price of a standby on my cards if I have to.
However, if, as the fees suggest, an average standy is costing as much as $50,000, then Alcor needs to work to bring this cost down, or offer a cheaper standby that is not as good.
For that, I think there is something counter-intuitive. CMS fees do not cover charter jet transport, it is seen as a premium. But in fact, for the large fraction of Alcor members who live within 1,500 miles of Scottsdale, jet transport might be a cheaper way to do the service. Rather than sending out a team ready to do everything on site, if one has locals (as there are in NorCal and SoCal to be sure) who can do the basic drugs and cool-down, and a jet is ready in 2 hours to take you to Scottsdale in 2 hours, what quality of suspension can be done by that method, and what would it cost? (Typical light jet charter is around $2,500 per hour. 1.5 hours to Bay Area, 2.5 to Seattle, 50 minutes to LA. Main questions are how short notice they will fly on (particuarly with notice of imminent death.) Probably can't talk a company into letting you do perfusion on the plane though.