If I were you, I'd consider my insurance and training costs up to and including the IE an investment rather than an expense. DMs working in classes will make barely enough to cover gas money to get to and from the pool, where I'm from. Instructors make enough to cover their gas and then some beers afterwards.
My husband became a DM in 2004, me in 2005, and we're both instructors now. We lead a trip in February, where we had our expenses paid for by our LDS, and did some training on that trip where we received all training money. This will be our fourth year of doing "scuba work" and it is *possible* that this year we may show a small profit on that work. Note that everything up until now (all insurance, equipment related to instruction and training costs) are not factored in. As a DM, your activities are rather limited - doing actual training courses as an instructor, and better yet, training beyond OW, is where the tiny bit of money can actually be made. Become an instructor, get good at it, and create OW students who want to continue working with you as they progress through their own diving career.
You have an MBA. You *know* you're not into diving for the money.