Sounds to me like one of those too-good-to-be-true situations turned out to be not true.
Stupid from the start.
I suspect that the concept sold to the passengers was that a substantial portion of the money paid be invested in a secure high yield portfolio.
Income from that would support ship crew, operations, docking fees, and maintenance expenses.
But naturally, that money was quickly stolen by consulting fees, legal fees, management fees and other mechanisms.