For that much money, I would expect a professional, licensed, captain who provides instruction, and a high level of service. I would expect references and testimonials.
Some captains give better value than others. Those who provide a good service and good instruction can deservedly earn their fees. Some others, though, might be a rip-off or might be taking advantage of inexperience. When you talk with a captain, does he seem very willing to talk about the passage, the boat, his credentials, and refer you to former crew members? Do you feel comfortable trusting your self and someone you care about deeply to be kept safe by the captain and would you feel comfortable being in an intimate, inescapable confinement with him?