I feel like my fear of cruise ships is justified in that it's an enclosed space, diseases can run rampant, and you can be effectively imprisoned there when something goes wrong.
The ship loses power. A disease outbreak. Fog closes the port. A bad storm. Whatever. At least (if)/when I go to a resort, I'm on land. I can go to a hospital. If there's some disease outbreak, I'm not stuck in my little tiny cabin for days on end. I can catch the next flight home if I have to.