The Maldives are a very different sort of place, so you might want to do some reading on the area. There are many islands and with the exception of the capital most, if inhabited at all, are basically dedicated to a single purpose. Some are dedicated to tourism, one resort per island, and the only people there are tourists and the people who work at the resort. Other islands are reserved for local people. There is a small amount of visiting from tourist to "local" areas but it's generally limited and by permission. I put "local" in quotes as I think most of the "local" places visited are still designated as the places tourists are commonly taken to and are set up for it. That was true of 2 of the 3 places we visited - the 3rd was our divemasters home island. You don't have islands where you have a choice of resorts, a town to go to inhabited by average locals, restaurants to visit, or some other dive shop or the ability to find a local DM.
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Well, you don't need permission to visit inhabitated island. You just get dressed appropriately and come back before six o' clock. Some islands are more touristic than others but they're not set up for tourists.