Elbert you do not own the shop you rent it(owning the shop would be called capital investment)-this is not doom and gloom -we should as a country worry about our no. 1 industry which is tourism and that is governed by how much money people have to spend and where they get the best bang for their buck,and we should work out ways to make sure that we give them this.
Look at all the trips you sell which will go up-ypou make a minimum of 20% by making a telephone call.
If you did not have hotels ie people who invest you would not have a business -now there is not one hotel on this island that is not worried about the recession,prices of flight tickets (800usd r/t to Houston),food prices etc.-you just need to look at the message board at people coming down via Cancun-you really have to want to come here to go this route-it is a bloody miserable trip and it takes two days from the US to AC-therefore 4 days travelling to come here and return- not a great advert.
You run a dive business with no boats-that is fairly unusual and you are totally dependant on others for your business to flourish.