Amy sounds like a 23 year old who was grabbing all life had to offer and life was coming at her fast.
She had just graduated college/ new car/ new apartment/new job/ etc etc - she appears to have had a magnetic personality that made people want to be around her.
Lots of her age group at that time and today ( and prob forever) experiment with sexuality until they settle on an identity. She liked to party, she smoked, and I would not be surprised if she was into recreational drugs. Nothing too unusual.
The tatoo's are interesting to me - the people the family says had encounters with her through out the years, describe them.
Also interesting to me is the diver from Canada who in August 1998, in Curacao that said he saw Amy on a remote beach - two men walked her in the opposite direction from him but stared him down first. He identified Yellow as being one of those guys.
Lots of bad stuff happens on these islands - even on our own little US territory Puerto Rico.
As part of my job at that time, in the late 1990's, I was traveling to PR about once a month and occassionaly St Thomas and St John. Long story short, if you are a woman alone you have a target on your back.
There are those that would think nothing of hitting your car/ running you off the road while you are driving just to get you to pull over to rob you or "whatever".
After a particularly unsettling encounter my company insisted I have a driver and implemented other safety precautions.
To think that Amy was taken off that boat, and staff from the ship were involved is by no means far fetched. Lots of money changing hands everyday/ all day and none of it legal , down on those islands.
JMO