I've never heard of Caribbean Cruise Line or Bahama Celebration; that would have been my first tip-off. But actually, everything you said about the cruise portion could be said of most cruise lines: the main dining room and buffet are included but most other restaurants have service charges; drinks are expensive and bottled water is not free. Your cabin, meals and entertainment are about the only things included. And most piers are in industrial areas and public transportation is not always an option.
But it seems like most of your problems were off the ship. Please don't let this sour you on cruising. Try another cruise on a well-known and established cruise line, not one that is part of a timeshare trap.