Indeed. Problem is, the cruise lines know that a blanket policy of giving a refund or FCC to anyone who claims to be sick would be widely abused. I’ve seen many posts right here on CC encouraging people who want to cancel last minute to falsely claim they have Covid. If there’s a loophole, it’ll be exploited.
Far better, in RC’s eyes, to play hardball and have people who are genuinely sick claim on their travel insurance which, after all, is exactly what it’s intended for.