In the 90's we owned scuba resort off the Malay peninsula, during the Northeast monsoon we would close for 2-3 months, we would spend many monsoons in the Caribbean.
We had a few friends who ran charter boats in the US VI and the BVI, we would boat hop between charters and help with maintenance and cleaning.
In those days you could only get to the soggy dollar bar by swimming ashore, they had a line strung up above the bar with clothes pegs.
You would take your wet notes out of your swimmers and hang them up to dry as you ordered drinks the bartender would help himself to a few soggy dollars and leave the change on the counter. It was a very laid back bar they had a fantastic selection of beach games and different boats would compete against each other for the next round of drinks.
The menu was about 4 items cooked on a BBQ beside the bar and they only had a few T-shirts on hangers, no shop or restaurant like now, the beer was cold and the rum painkillers were wicked, they were fun times.
There was often naked swimming back to boats after a few rounds at the SDB.
Normally followed by a return swim because you forgot that you still had a few fifty's hanging on the line🤪