We have moved deposits a number of times and paid the $200 ($100 pp). Just seems like a fair charge. Otherwise, everyone would be booking a lot of cruises they may or may not sail on and cancel right before final payment. This can create a problem for RC.
Since we always plan to cruise again, moving it to another sailing has not been an issue
Plus, the policy is good for most cruisers, as cabins are not filled with people that really are not going to cruise - driving prices up and selections down.