Simon,
I can assure you that HAI will give you good advice and are not trying to just take your money. The philosophy was that they did not need to ruin their reputation to get just one student. Think about it --- it makes sense. You have thought it through well. Feel free to send me personal mail--- I was the chief instructor at HAI for 8 years, I can probably answer any questions you may have, and yes, I too was once in your situation, from the same part of the world too!!!!!
Aloha
Gordy