Our first cruise was supposed to be on Sovereign, and we had been saving our pennies to pay for it. I had been writing my checks for $5 over at the grocery store, for months, and had secretly purchased $500 in traveler's checks. A month before the cruise, our house (and town) was flattened in a hurricane. We sadly decided that we needed to postpone - but we seriously thought about still going. 🙂 We lived off that $500 for the first few weeks since our local bank was also destroyed and we had no access to our account.
A year later, we rebooked on the same ship, same itinerary. Our cruise credit paid all but a couple hundred dollars, and our TA upgraded us to a Deck 8 oceanview from a lower deck interior because 'you deserve it'. It was amazing.