I think KDM stated it perfectly- that I'm sure many "charters" just take your money and drive around hoping you'll hook into something. My wife and I were down to Puerto Morales a few weeks ago. While I didn't charter a boat, I did go sailing a few times right off the resort and we "caught" a remora that was suctioned to the side of the sailboat when we pulled it back up onto the beach. Was a pretty cool thing to see/feel.
Additionally, if you are scared to go to Mexico, then I'd hope you'd be even more afraid to go to Baltimore- if you're looking at just homicide rates from last fall. Baltimore was at 56 per 100,000 compared to 22 per 100,000 for Cancun around the same time period.
(https://www.dailymail.co.uk/news/article-6538571/Cancun-sees-record-540-murders-2018.html)
(https://www.usatoday.com/story/news...i-statistics-death-crime-killings/1426739002/)
Baltimore is just northern DC. Just don't be stupid, and should be fine. Someone above said it. Don't walk around with $1000 hanging out of your wallet. Don't walk around in alleys, after dark. Don't be alone.
There's crime right here in Bismarck, and it ain't all non-whites, friends.