Frankly, I don’t see cruise ships being an issue; there’s no particular reason they have to be more risky, and they probably were NOT more risky, you just need to take precautions.
And if a cruise line goes bankrupt, someone will buy it out, a bunch of investors will lose money, but the cruise ships will be back out sailing.
Some of the potential buyers and loaners might get cold feet and remember the old adage : "If you want to make a small fortune in certain businesses, like Cruising, start off with a large fortune."
Time will tell. - Tom