Yes, I agree with all you've said!
However, I do think they've had some sort of a falling out. When Fern and Ryan's bid on that house they wanted so badly didn't materialize, the last we saw of this couple was on Fern's vlog, with them having dinner at their home, shortly after they lost the bid. Over the last year or so, I've occasionally looked at this person's Instagram page and saw posts about endless partying on the boat, in different restaurants, and Fern and Ryan were never present. I forgot all about it until I looked at Rachel Ward's page recently, saw at least two different party situations with this person and, again, Fern was not present. I even went to this person's Instagram page, and she was still up and posting the holiday tea at the time....Rachel Ward was there, this person went all around the table and there was no Fern in sight! I'd say in the last week or two is when this lady deleted her Instagram page.
Maybe Fern and Ryan and didn't appreciate their "consumerism" - LOL!!