I don't blame you. That kind of thing really leaves a bad taste in your mouth, for sure. I myself always shied away from Viking simply because of the early payment issues.
In early 2020, we watched the Paul Gauguin (owned by Ponant), deny people cash refunds when they stopped sailing due to covid--that turned off lots of loyal former cruisers--we vowed we'd never go back, despite it being our favourite cruise ship. So I can totally understand.