so the OP quotes an article and points out that he and his wife somehow fit the profile of the article.
He is tired of going to the same "beat-up" shallow reefs and to be treated poorly.
I'm with him all the way, until I read ...
..Otherwise, I will probably drop out of this boring sport!
wow .... boring?
you just identify the problem being wrong locations and crappy operators, how do you go from there to the "boring sport" conclusion? and how would and expiration date on a card is going to solve that?
Operators that take you to the same "beat-up" place, do it because it is easy for them and the good little sheep they have as customers continue filling up their boats.
Operators that treat you like you are a drooling idiot, obviously don't get enough negative responses from the herd. Most likely their tips don't suffer as a direct result of that type of behavior.
This problem may be the result of badly trained divers but that ship has sailed. The releases you have to sign for them to take your money will not get shorter. Just like their insurance premiums will not cost less (not that it matters to a rec diver).
If your conclusion is that diving is boring, that's just cool. Will you be selling your gear? I'm always in the look out for HP tanks ijs.
Now you are not the first diver that suddenly realizes that the mainstream system is a load of BS.
I had that epiphany a couple of decades ago. I realized that my patience level does not meet the requirements for dealing with the average cattle boat, and was I to continue giving them my money the odds of ending up arrested were climbing rapidly.
So the research began, at the end my only solution was to get my own boat and only use charters when I go on trips, and even then only use charters recommended by people I know have similar requirements. I still get the attitudes, specially if well intentioned friend burns the operator ear telling them that my husband and I can dive. But as long as they don't touch me or my gear I can ignore them for a dive or two.
My diving dreams have been adjusted from "I want to dive every possible location in the planet" to "I want to dive every inch of reef I can get to with my boat" I'm already old so as long as I have 30 to 50 years worth of locations is good enough, plus I don't keep logs, I'll forget some areas and would be fine diving them again.
We all have different levels of experience and training. For some both factors go hand in hand for others is heavily one-sided. But boring? I don't know where that fits.