Our charter company supplies dinghy ladders - check with yours. My girls would probably dislocate my shoulders yanking me in the boat so glad we have one - lol.

We have been fortunate to be in the BVI many times this past year. We use credit cards for all provisioning and vendors as well as restaurants - have never had an issue. We take cash for tips and paying for misc mooring fees when not anchoring or somewhere where we can easily pay by cc, and for ice and trash pick up.