That’s not correct. HAL takes a set amount per day PP at the beginning of the cruise.
its now dropped, it used to be $60 pp pd
The day you board, Holland America Line places an initial hold on your credit or debit card for $30 per person per cruise day Once you’ve spent the initial hold amount, we will authorize your card for the total of your onboard purchases to date plus an additional $30 per person per day for the remainder of your cruise. Please note that there may be multiple authorizations throughout your cruise, and that some banks may keep the hold in place for up to 30 days.