You are paying for someone else to do all the work on your behalf, ie organising flights, hotels, transfers etc. The Scotland trips with Passport Travel are the same. If you cannot afford two/three days off work then you pay the extra to leave house to airport fly have one night, match then fly home straight away. The Katowice charter was probably about the same cost in 1991 terms.
If you want to have a few days away then pay the lower rate, if you want a quick and everything organised for you trip then pay the extra and go via the charter.
No use in having a pop at the club.