@InfinitySurf is correct on that one. For years Centurion did things differently (essentially we sold boats at MSRP) and we had A LOT of problems. People thought that we were hosing them and it took a long time to explain why we weren't giving them a $30k discount and the other dealer was.
As far as integrity goes, a dealer should acknowledge that MSRP is an over-inflated number and if they don't you shouldn't trust them, hence my statements here on this forum.
For lending, it would put any boat company that actually sells boats at full MSRP at a true disadvantage as most banks are only willing to finance 90% of MSRP max not including tax, freight, prep, registration, etc. That means people would effectively need to put 30% down to even qualify and upwards of 40% to get the best rate. We aren't trying to pull a fast one on the banks by any means, but if I have a choice between having a program that favors the bank's equity position vs. getting our customers the best possible rate I will go with the best rates for our customers.