Ugh, I hate it when people think cruises are "tons of money" and people just hang by the pool. Cruises are packed with activity, and considering lodging, food, transportation and entertainment is included in the price, it generally works out to be very inexpensive compared to doing it all separately. As a former TA, we used to say the hardest thing to sell, and the easiest thing to resell, is a cruise. (And yeah, I'm sure there are people who just lie by the pool. But I never met any of them!)