Cruise ships, while underway, are floating tenements, operating under some nebulous standard of law. At least if my hotel on land loses power and water, I can walk somewhere else. I guess Cozumel and Cancun count as "places," so you got me there.
According to the radio news, there is no plumbing, i.e., working toilets and the tow will take 3 days. Said they are “working” to get “some” functioning. 4,000 passengers. Yuck.
Your sense of adventure is underwhelming. Cruise lines are anxious to protect their reputation and are liable to civil suits. In my admittedly limited experience, they’re ok, I suppose it depends are where you go and what you do.