Tunneling Spectroscopy of the Superconductor-Insulator Transition on $\hbox{Bi}_{2}\hbox{Sr}_{2}\hbox{Ca}_{1 - x}\hbox{Y}_{x}\hbox{Cu}_{2}\hbox{O}_{8 + \delta}$ and $(\hbox{Bi}_{1 - y}\hbox{Pb}_{y})_{2}\hbox{Sr}_{2}\hbox{Ca}_{1 - x}\hbox{Y}_{x}\hbox{Cu}_{2}\hbox{O}_{8 + \delta}$