Sounds to me you expect them to break the rules in place because you are more special than anyone else having to cancel at the last minute. If you failed to get insurance to ensure nothing could go wrong on your special day, how is this Carnival's fault??
No one plans on cancelling their cruises at the last minute and losing their money. If they could plan ahead of time for a last minute emergency, there would be no need to purchase insurance .... for anyone.