Sorry but if your friends invited you on a yacht to escape the horrible british weather after new year, the problem is? The royals run in money circles, the younger generation have that lifestyle, remember those pictures of William and Catherine on a yacht her in a white bikini? I bet that wasn't theirs.
I imagine most of the billionaires in the world would take issue with you saying "most of these people turn "shady". I'd say 1% of the billionaires do, and it's that 1% that make their money in shady ways to begin with.
Nobody has "limited" holiday options, especially the royals. Just because the older generation now choose to stay in country doesn't mean it doesn't cost a fortune for what they do.
Cepe is right, Dave runs in circles with Richard Branson, for all we know it was him who recieved this NY invite and Beatrice is his guest.