No matter how much dough you’ve got, everyone hates feeling like they’ve been nickel-and-dimed — the very rich, most of all. Maddeningly, most resorts haven’t noticed.

A luxury stay should feel smooth as butter. Signing a chit every time you sneeze isn’t that. It makes you pause and reconsider that second bottle of Chablis by the pool, that third massage, that sunset cruise. Let’s not pretend it doesn’t.

“It makes you question doing what you want to do,” said Henley Vazquez, co-founder of the travel agency Fora. “You think, ‘I had such a good time riding that horse yesterday. I’d love to go for another ride today.’ But then you go, ‘Oh, am I really going to spend another $500?’ ”

In the clink: When unlimited cocktails are included, all is well with your vacay package. Getty Images/iStockphoto

Worse still, it makes a haute hotel checkout feel like the start of a hard-boiled hangover. “Did I really order 27 cocktails in a week? They charged me what for a side of fries at dinner? Why is there a service fee on my service fee?” You could have had a stellar stay, but it breaks the fantasy and leaves you with a lackluster memory. First impressions are important, but surely, final impressions are even more so.

So what’s the alternative? All-inclusive resorts with buffet dinners and people filling jumbo cups with frozen margs? No, but also yes.

For decades, a quiet coterie of anything-goes, five-star resorts have eschewed John Hancocks in favor of a “Would Sir or Madame care for another bottle of the Taittinger?” worldview.

“It’s that feeling of being in your own house,” said Vazquez. “You eat what you want, and drink what you want, without having to think about what the price is attached to it.”

Demand for an all-inclusive step above Club Med and Sandals is already there. Virtuoso’s latest annual survey of 2,400 travel agencies and advisers found that more than “ultraluxe” privacy, adventure or hyper-personalization, travelers want “all-inclusive experiences.” In fact, it was their top preference.

Here is where to find some of the best, family-friendly five-star “inclusive” resorts in the world.

Mexico Greet the sun each morning — it’s also included .

The latest resort to join the “all-in” club is the 41-suite, 5-acre, five-star Paradero Todos Santos in Baja California Sur. It just launched “Paradero Unbound,” a luxury all-inclusive model offering airport transfers, one massage per person each day and expert-guided experiences on top of the F&B.

“Our guests are no fly-and-flop types,” said Andre Boersma, Paradero’s COO. “They want to experience the local culture . . . the natural habitats that we’re surrounded by.”

Guests are now far more likely to try something outside of their comfort zone, such as surfing, guided meditation, equine therapy or a yoga class. “It’s not like you are on a schedule,” said Boersma. “It’s here if you want it and not if you don’t.”
At the moment, Paradero is an adults-only resort, but in the “very near future,” one-to-three bedroom villas will become available, targeting families who want a taste of this easy-does-it luxury.

From $1,800 per room.

Antigua Spend family time on Antigua’s private island, Jumby Bay Island. Jumby Bay

At least in North America, Jumby Bay Island got there first. A private island that joined the ridiculously good Oetker Hotels collection in 2017, it has always operated under an ask-and-you-shall-receive policy with no signatures and no itemized totals. It calls it “unfettered access” to dining, beverages, water sports, wellness rituals and guided adventures.

It is a 300-acre island just a short boat ride from the mainland, with 13 villas, 28 cottages and 23 privately owned estates. Jumby Bay also unveiled Coco Beach, a sprawling retreat with an infinity pool, designed for up to 14 guests. Just ring for the butler if you need anything.

From $3,200 a night.

Indonesia Indonesia’s Bawah Reserve is far but worth it. Bawah Reserve

Bawah Reserve is one of the best-run single-resort islands on Earth, hidden in the middle of the South China Sea between Singapore and Borneo in the Anambas Archipelago.

To get there, you’ll need to fly to Singapore, transfer by ferry to Batam in Indonesia and board a seaplane for an 80-minute flight. But once you get there, the rest melts away — it’s time to turn your brain off. Everything from the food to a daily spa treatment at its newly expanded Aura Spa is included in your rates on this idyllic isle with 36 accoms, including overwater villas, 13 beaches, three lagoons and 250 acres of lush forestland.

Activities like paddle boarding, transparent kayaking, scuba discovery or advanced open water dives, night snorkeling and more are also included — each one of those could set you back hundreds at other resorts. Laundry and your in-room bar are also included.

From $1,980 for two; seaplane included with a five-night stay.

Montana Live out your Montana cowboy dreams at the Ranch at Rock Creek. Ranch at Rock Creek

On the outskirts of Philipsburg, halfway between Missula and Butte, the Relais & Châteaux-affiliated Ranch at Rock Creek has raised the standard for glam dude ranches everywhere.

With about 10 square miles, or 6,600 acres, of nothingness to roam on, the Ranch, as it’s affectionately known, is one of the only truly all-inclusive ways to live out your Yellowstone dreams.

Stay in luxury suites in the Granite Lodge, authentic log cabins or in a historic barn. It’s all about the great outdoors and pioneering activities such as fly fishing, horseback riding, sporting clay shooting, sapphire mining, hiking, biking and archery (all of that and more is included in your board).

In the winter, on-property snowshoeing, cross-country skiing, horse-drawn sleigh rides, ice skating and sledding, as well as trips to Discovery Ski Area. Say hello to the property’s ski concierge, with a children’s program for ages 4 to 12.

Also included: Airport transfers, unlimited booze and fancy fixins at the farm-to-table ranch restaurant at all hours.

Classic Granite Lodge Rooms from $2,829 in winter; $5,166 in peak.