The previous answers were not very good. Only one pointed out that entertainment visits are not monthly.
1} I am struggling to understand [Tropican's personal finance]. ...
2} Can the tropicans use the sites for tourists, like beach site, or spa?
3} Will adding more hospitals/clinics improve health of my people?
4} Is there any way to speed up the lazy bums in the docks?
5} Will adding more docks next to each other speed up the things getting load up into the ship?
#1 = The game design does not contemplate personal, pocket change accounts for each person. Trying to balance Jose's personal money is overthinking details which don't exist. The player has more important things to worry about.
#2 = Some entertainment buildings are for joint use by Tropicans and Tourists; others are used by only Tourists. They are in separate groups on the building menu.
#3 = More than how many? Health care is a need which must be met to maintain health. Not providing it causes shortened lives; there is not poor \ good \ better health. There must be enough slots in clinics and hospitals to provide a vacant one for each tropican just as they must meet the need. The player has to learn that number through practice; there is no formula because of variables such as travel time.
#4 = Maximize the time they spend on the job as opposed to sleeping (quality of housing), getting food, satisfying needs for entertainment \ religion \ health care - including walking to and from the other buildings. That's what the player has to learn from gameplay.
#5 = Jamming Ports (docks) too close together not only does nothing to speed up loading goods on ships, but also causes the ships to interfere with each other introducing more delays. When the goods are delivered, it is to one port only - not a group of ports; and only the workers employed at that building will load them.