That's strange... for starters I would think it would be FAR safer for you to pay the "fine" on the spot than to try to demand paying at the station from a "police officer" who has already made it clear that he's crooked. I would be fearful of being shot by that cop or somehow finding that a mile down the road 3 of his buddies beat the crap out of me and still take the money.

Then for my company at least, we have a very strict policy on ethics for global travel. It's a terminable offense to give bribes even in countries where it's expected. I can't even fathom that they would reimburse any false "fines". How do they even write that off legally?

I for one haven't been to Mexico. Ever. And I don't see that changing. There's a lot better places to be.

As for travel, make sure you MEMORIZE a credit card that is NOT with you, hide at least one more card on your person, and hide cash in several places. Belts, neck pouches, shoes (heal or under the cushion), hidden pockets, hats etc. Never go without some cash. If you get off the ship, make sure you are aware of your departure time. Don't leave the "safe" area.

Make a point of letting someone at home know you are departing the ship and that they can expect a call at a certain time. If they don't hear back, they should be calling the consulate and local policia. The ship to shore calls will seem cheap compared to both the cruise and the safety net it provides if you don't show up at the dock when the ship is pulling away. If they have internet access, it may be cheaper than making a call, but the same principal applies.