I do know some people who take cruises on whims, but most plan it out a year in advance (at least.) Cancelling just isn't an option for everyone, especially since two weeks ago when this ship set sail, why would you?
Sorry, I would still eat the cost and not go. I know most trips like this are booked well in advance, and likely not refundable, but I would still not go. Two weeks ago we knew this thing was spreading, and fast.
Just my 2 cents.