The clubs don't have some sort of insurance?
And soccer definitely has some form of this. They way they loan out players is a cash cow in itself.
Not sure about swimming... I have no clue at all if they even have a governing body or oversight entity similar to that of tennis or anything. But due to the nature of that sport, it'd have to be handled differently.
FINA i beleive is the international swimming body.
And the clubs insure the players, not the national teams.
Just like in the NBA.
And in sports where players are paid for national team honors, its certainly taken a lot more seriously than most NBA players take their national team duties. Wade and Allen want to rock up for 3 months every 4 years and get a pay day?
Come the fuck on.
Compare that to union where players finish their club season (after probably having had international duties during the season) and are then expected to attend training and go on tour for an additional 3 - 4 months of the year. Every year.
I mean, i get it, the US Olympic team will probably make money off the back of these guys in some indirect fashion. Not through ticket sales or anything, but merchandise / PR events. Most of that will more than likely go back into other Olympic sports that don't make money. Hockey, rowing archery. All that stuff.
It's not like it's the NCAA.