You bring a up good points but also not all true. I can see you have booked may time thru a cruise ship but I don't think you have used a travel agent many time. We can offer you the same package, ex: zip line, lunch , and another stop at your favorite view spot. We can offer you the same package deal that would be a lot less money 95% of the time. All the benefits you named about booking with a cruise ship we offer too, refund, easy to pay, and booking packages of your choosing. We have went on every tour on the island so we can tell you which is the best. You don't have to wait in line at any of our tours, ships don't have pull who goes first. You never have to watch the clock because we make sure your back to the island with lot of time to spare.
I guess we will have to agree to disagree and the people that want to save money, and do the same thing as everyone else for less money can use a travel agent.
Thanks for your thoughts on the subject.