You are missing the point completely. I never, ever, ever said that the life and medical emergency were not important. OF COURSE THAT IS THE MOST IMPORTANT THING.
However, passengers (or the ill person) should not bear the burden of the cost. I have trouble believing that the line does not carry insurance for this. And if not, then I still believe it shoiuld be part of the cost of doing business. Charge everyone an extra 50 bucks on every cruise and then be done with it.