But do these two very different types of forums need to be under the same umbrella?
We have Shooting the Breeze and Letting Off Steam, but you have to have 50 posts to be allowed to post there. So it's for people who use Askaboutmoney for the purpose for which is intended, to let off a bit of steam. You can't register on Askaboutmoney and immediately starting posting this stuff.
Boards could do the same. If someone has contributed to the motoring or cycling forum and has been a member for at least a month, then give them access to the GAA or CA forums. It would dramatically reduce the traffic on boards but what would be left would be much better. I suspect that the people using the motoring and cycling forums would be happy to pay €50 a year.
This is above my paygrade to solve!
I suspect that boards traffic has already dramatically reduced in recent years, for various reasons.
I think that they have a system that requires new users to amass a certain number of posts before starting new threads, IIRC.
But Askaboutmoney is financial advice, with add ons. Boards.ie is, so-to-speak, broadly based. In my view, they've always had far too many sub-sections, but that's just my take.
There will always be an element of trollery/piss-taking on a website like boards that would be frowned upon on Askaboutmoney.
Of other forums I frequent, mainly music related, these have mostly very small traffic these days, and a small bunch of regular posters who have known each other for decades. In most cases, dormant posters just moved on with their lives, or migrated to Twitter/Facebook/Reddit etc.
Personally, I wouldn't pay boards.ie in washers if they required €50 a year to access special interest sections - in my case, largely cycling and motoring. Whether others would, I have no idea. I don't rely on boards for advice on those issues to the extent that I would be happy to fork out €50 a year.
For example, as regards motoring, backroads is an excellent website. They discourage political debate, and most posters respect that. I'm sure there are cycling specific fora also, if not, Reddit etc.
If I may mention an 'elephant in the room', another website that was mainly focussed on financial matters and used to be relatively popular is still active. But given the strange agenda (extreme far right, conspiracist) that has taken over that site in recent years, it is not a website that rational folk would wish to be associated with.