Actually this is not a waste of time. I have had this happen to me twice. The second time I caught on to where it was going... but shouldn't have. When I loaded the game save, along the right side of the screen I saw a string of repeated payouts to crew. That drained all of the money I had. It was at least several thousand coins or gold or whatever. Way more than my small crew on my small boat should have gotten for one day. I was able to reload the save game without it happening though so now I know what to do if it happens again, but I think its a bug that should get addressed.