i'm no instructor but just to be a devil's advocate in this discussion:
lumping costs as a package generally protects the vendor (in this case a course)...
to be specific, instructors can (and probably do) make special arrangements with resorts with regards to their students' use of facilities - remember that as a noob diver you will usually take from your instructors' lead... if your instructor says "split fins suck" you won't buy splits... if your instructor says "use mares, it's good" chances are you'll use mares... this is neither good nor bad, it's human nature
so taking this into consideration, it may be prudent for resorts to offer concessions or premiums to instructors who base their classes at their resort - chances are the 1st resort you do your checkouts in will be the one you'll go back to for your 1st fun dive... and maybe the next until you're confident enough to try out another one
it's business unfortunately and instructors have to eat too.
hope i'm making sense here. as a media ***** i always have to package my offerings, when i'm forced to break them down per clients' requests i still keep certain items bunched up to protect my markups and my suppliers' premiums
sometimes i tell my clients straight out that my cost will increase when i break it down - it protects me, my suppliers, and ultimately my product
not that i'm against transparency, but we have to respect the degree to which an instructor, or any vendor for that matter, will be willing to break down his costs to you
Jag
@halthron: dude, i know what you mean about cabs... if it was only legal to shoot them... sigh