Will they give you a 100% refund since they can't provide what you contracted for? I'd call around and see if anyone else happens to have a boat available, maybe an independent crewed charter.
It doesn't sound like you're being treated fairly. Their need to conserve cash shouldn't be at your expense.
I believe $28 K likely get a fully crewed cat in 45-50 ft range..... possibly including gratuity (But I haven't checked pricing recently)
