Re: Who pays for the food and beer?
Up here in New England, the host always has a fresh change of clothes laid out in your cabin. Complementary bathrobes with the yacht's name embossed on them. Nice dry slippers for your feet. And usually souvenir foulies that you can take home if you've needed to wear them. (You know, if you don't take them home, someone is going to have to dispose of those used clothes anyhow.)
Which is not to mention these "of course they couldn't really be Cuban" (wink-wink) cigars offered with the port and brandy.