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The cruise ships also tell you only to shop in certain shops, and that you will be mugged if you venture away from the waterfront, which is totally ridiculous
I've been on a bunch of cruises, and their warnings are generally pretty accurate for each port.
In Coz, they warn against renting anything with a motor. No mopeds, motorcycles, cars, etc., and recommend a taxi or shuttle bus or walking if you want to go somewhere.
In Jamaica, they recommend staying with the tour, staying away from anything except busy main streets or stay on the ship. The fact that the pier needs to be guarded by a bunch of police (or military?) with automatic weapons seems to reinforce this point.
On Grand Cayman, the only warning was "be back before we leave".
The business about "approved shops" is just a marketing and insurance thing. You can shop wherever you want. All the "approved shops" get you is a guarantee from the cruise line that you won't get defrauded, or if you do, they'll cover the loss.
They don't tell the passengers to not use other shops, they tell them that if they use the listed shops and get hosed, they'll get a refund.
Terry