I'd say the answer to your questions are yes and no, yes there are relatively convienent ways to get to cuba. However they are far from risk free. I'd say the least risk free way would be to fly to mexico, then pay cash for a ticket to havana and use cash for everything else on the trip. I would think that on a trip of this nature you'd want as few paper trails as possible. I'd rather knowingly violate the embargo and have the least chance of getting caught then try and sneak through a semi legit loop hole that might or might not work. I think if they catch you they catch you, and you can say well I was on a fully sponsered trip to cuba thru a foreign travel agent having spent no money in cuba. They'll probably say your on a fully sponsered trip to Club Fed with your tour guide Bubba after which you'll be knee deep in fines. The bottom line is that there are risks involved in visiting this destination, and if your willing to accept those risks and deal with the consequences if you get caught then by all means have fun in cuba. If not have fun in the resort metropolis that is most caribbean islands.