Prearranged tours add foreign agents, middlemen, and communications and money-transfer costs to the costs of services provided in the destination country, thus greatly inflating the price of travel. And those agents and middlemen all have an incentive to push tourists to more expensive tours to maximize their commissions. Because travel on a tour basis is more expensive, people on tours are, on average, richer people (or at least people traveling more expensively) than independent travelers. And there's the rub, or at least part of it.