I think it depends on what you enjoy doing, I enjoy swimming, so for me not to swim that would not be a vacation that would be an annoyance, I enjoy running everyday, I would also never go on a ship without a running track, but it is a personal decision.
Take Disney for example, there are people who love to gamble on vacation, but you cannot on a Disney ship, so those people can choose to go on another cruise line. The amazing thing about cruising is choice, we are free to choose our ideal vacation parameters. And some cruisers view a ship like a floating resort.
We are very fortunate that we live in an era that there are so many choices of ships available to us, catering to all our needs and desires.