I'm sure it feels terrible to post and get these "less than sympathetic" responses.
Know, everyone though does have sympathy for your loss of a family member, as do I.
What everyone so far has expressed is the "but", because they understand how important a purchase travel insurance is. People avoid the expense of it thinking they're healthy and nothing will happen to them. Your post proves it doesn't have to be you before a problem comes up that insurance would deal with.
The cruise lines really can not expected to be financially responsible for all the bad things that can happen to paying passengers before they cruise, that would cause them to cancel.
Again, sorry for your loss.