Let me see if I got this right. Instead of just putting a deposit down, you choose to pay the cruise in full - expecting to have some kind of a "award"? Did you book your cruise through a travel agent? If so, the agent should have explained that there is a final payment date. If you make full payment prior to that date and decide to cancel before the Final Payment Due Date, you can still get a full refund. The same should apply to any price changes. You really should direct your concerns to whom ever you booked the cruise with. I think you're getting your feathers all ruffled for nothing.