My favorite quote is. "putting a boat in bareboat charter is the cheapest way to tell your friends you have a boat in the islands". It is really hard to consistently make any money or wealth on hobbies. If the finance numbers where in any way compelling the commercial banks and bond markets would finance the industry. Those numbers do not add up for those that do finance for a profession. The charter boat operators rely on the cash, credit, and sometimes tax benefits of individual families to finance the corporate business of renting boats.