They get the use of the money while it's on deposit and make the interest during that period of time. They don't keep the cash. That would be stealing. HAL are not thieves. Nor are they any different than any bank or any other cruise line as far as using your money is concerned.
Landlocked in Denver, but cruisin every chance we get.
Polynesia, Carib. '86
Cr. Odyssey, Scandinavia, '91, 30 Day S Pac. 2002
Crystal Harm, Aust., N.Z., '94
Royal Odyssey, AK,'96
Old Cr. Pr. Canal, '97
RCCL, Carib, 1998
Volendam, Car, 2000
Ryndam, 35 day S. Am., Antarctica, '03
Is. Pr., Canal, 2004
Statendam, 34 day China, Japan, AK '06
Cr.Pr., Carib. 08
Eurodam, Atlantic, Med. '10