Because depending upon where the original poster lives, there may be
other tropical destinations which may be financially more accessible.
From Chicago, the Mayan Riviera and Isla Mujeres are less air fare.
They are even in the same time zone. Outside of Cancun in beach
communities Puerto Morelos, Playa del Carmen, Akumal and Tulum there are
lots of affordable (and great) lodgings.

Im the original poster and Im two hrs north of St Louis

You give e food for thought1 Please keep talking ok! lol