You guys are forgetting that you can only use those Cruise Dollars to book cruises with them and they earn commissions from these sales.
Also you can only use a percentage of your balance for each cruise you book.
Other companies give you ship board credits up to around a thousand dollars plus TA's and the TA companies make a good commission. My sister is a TA and does very well with just a few clients.
Also this is a monthly membership which is only $100 per month. We're not talking about $1,000 per month or telling people to give them $100,000 and they will instantly give you $200,000 next year. Now that would be a ponzi.
For your $100 membership per month you get 200 Cruise Dollars per month. Now these Cruise Dollars can only be used to book a cruise with inCruises. Now in your first year you can use 60% of your cruise dollar balance to book any cruise.
So let's see in 5 months you paid in $500. That means you would have 1,000 Cruise Dollars in your account. 60% of 1,000 is 600 Cruise Dollars you can use to book a cruise with them.
If you found a cruise that was under $600 including port charges and taxes you could use your 600 Cruise Dollars to fully pay for that cruise. Now remember you paid in $500 in membership so it is like getting a $100 savings.
Now inCruises made the commission on the sale because you booked through them. It is a very competitive market out there and anything that could make a cruiser loyal to use your service is very smart. This certainly would make you loyal to use them because of your Cruise Dollars being accumulated with them.
Also as you pay in they are investing the money and earning from that investment.
Now for a cruiser this is so nice to be able to accumulate 200 Cruise Dollars per month that is used only for booking a cruise.
Back up to that example, you now have a balance of 400 Cruise Dollars and you could use 60% of that to book another cruise or reduce the cost of a cruise by $240. Say this cruise was $1,000 and you deducted 240 Cruise Dollars and so you chared $760 to a credit card to book that cruise. Again inCruises earns commissions and they got to invest your membership dues. Just like a gym membership or any membership model.
I am giving the full details on my page but maybe I'm making it sound too good? It is a great deal though and again allows people to have a cruise only fund with guaranteed savings.