You don't need a separate negative test on a Bermuda cruise. The pre-cruise test is baked into the requirements (at least for any RC cruise since they take less than 4 days to get to Bermuda)
I'd love to know the bill for how much was spent on covid-related activities for quarantine reimbursements, medivac flights, pro-rated and full covid-related refunds, etc, etc. Gotta be in the millions.
A cruise line's best bet is to incentivize a pre-cruise negative test result somehow. Either via a perk onboard or with some CWC protection that those not presenting a negative test wouldn't get.
I've seen people order blue cheese stuffed olives in a martini before. But that was only after a gracious tip to get the bartender to stuff the olives.