It's not about the agency.
It's not about the shop.
It's not about the instructor.
It's not about the certification card.
It's about the training.
That's what you pay for. That's what you keep afterwards. That's what the benefit is... The actual skills, knowledge and competencies you gain.
Add to that factors like comfort, safety and enjoyment whilst undergoing the training... temporary benefits, but necessary to consider also.
To appreciate the cost of training... you have to understand the actual training you'll get for your money.
Too many people compare courses based upon some perceived equality... because those courses might result in the same certification card.
In reality, certification card aside, there is a world of difference between each individual course...
---------- Post added November 12th, 2015 at 04:36 AM ----------
I will probably be corrected but as I understand it PADI's primary revenue stream per student is the card charge of $40 per cert that they get via the instructor / shop. Additionally the get a part of any PADI materials, if purchased, but lack a meaningful enforcement mechanisim to enforce the 'required materials' rule other than the mutual profit stream by having the Instuctor / shop market them to the student.
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PADI sell manuals/materials based on regional price lists. Invariably, manuals come packaged with a corresponding PIC credit... an account credit to process the certification card. The coat of a manual alone isn't much cheaper than a manual plus PIC. The cost of a PIC alone is relatively high.
Whilst policies vary by region, or even country, it has become much more difficult to buy PIC alone. Here in the Philippines we need to get permission to buy a PIC alone from most PADI materials suppliers...
It is possible to circumvent the PADI standard on requiring manuals to be taken away by students... but getting caught can mean QA action. Given the financial investment most pros and dive centers have made to PADI... It's just not worth the risk.
In my experience, only the shadiest dive centers/instructors would take that risk...