I live in a tourist town, closest coast to Canberra, so we get plenty of tourists. Most of the businesses in Batemans Bay are members of and contribute to local Chamber of Commerce, who in conjunction with Council Tourism finance some events. We have had a few small cruise ships in here (by water shuttle) over the years, largest being The World and Volendam, I worked as a meeter and greeter. Buses were put on gratis to pax to take some pax to the Mogo Zoo, golf course, other beaches etc. Certainly the local businesses made some $, but as you say the locals who were not in business did not.