Ghetto has a negative connotation. Let me ask you about your "research" on YC. You don't sail in YC, yet have 'absolute' findings, such as, "Those who would only cruise in the Yacht Club for the most part would never pay for a truly upscale experience on a higher tier line." If you've read posts by people who have sailed in YC, you would know that your assumption is incorrect. Most YCers have sailed Regent, Windstar, Ponant, Seabourn, Oceana, or even Haven on NCL. I don't think most of us feel above the rest (I'll admit that some do). I really think your resorting to informal fallacies such as unwarranted generalization, straw person, and begging the question is over the top behavior.