A couple of years ago, I went down to Tortola for a quick surf trip with a few friends. We took a boat over to Jost Van Dyke for a day trip to the Soggy Dollar Bar. We pulled up, jumped overboard, and swam up to the beachside bar (hence “soggy dollar”). As I lay in a hammock after lunch, sipping on a painkiller cocktail, all my cares seemed a million miles away.