I, too, am losing interest in Club Wars and in paying for card packs, largely due to turtled teams and hard-to-achieve chests with thin rewards in them.
A possible discouragement for turtling under shields would be, at the beginning of the Club War, very slowly drain team ranking for time spent under shields. As the time left in the War shortens, drain ranking for being under shields even faster. And/or decrease the shielded player's points, which would have a similar effect on the whole team.
And yes, increasing the points needed to get personal chests made putting in the effort much less worthwhile.