Absolutely right, Kuki.
And definitely what you said re the airline ticket comparison. And consider how much more true that is in the current day of e-ticketing, where you've got nothing more than a computer printed confirm, and--once you get to the airport--a boarding card. Same will soon be true of cruising, even though I know the prospect drives the doc dance people nuts.
Even more odd than not taking out cruise insurance was the posting here some time ago saying that because they did take out insurance, were forced to cancel, and were compensated by the insurance company per the terms of the policy, the premium should also be refunded. Now that's what I call consumer advocacy!