Limo Mon,
Please let me know where they have an exchange rate of 95 to 1 for us$ - I would love to go there and make a deal with them for all the us$ I can find! No problem!
I do not know of any "street rate" being 80 to 1, the street rate I am familiar with is 85 to 1. For certain places, they do have their own exchange rates and they are often posted somewhere on the property. You pay whatever the establishment has as their exchange rate - you cannot assume any "street rate" applies to a given business.
I am confused as to why you had what you described happen at more than 1 place. In all my years here - using up to 4 different currencies, I have never experienced this happening. And there are very few places in Negril that I have not been.
So please, do not feel hesitant to let us all know where we can get 95 to 1 for the us$.