My two cents/penny worth …
Unfortunately the writing seems to be on the wall for cruise lines like Seabourn, Regent and Silversea. The bulk of their customers (including me) are baby boomers who saved and worked diligently over their working lives to be able to afford cruises that, in their latter lives often cost as much, or more, than the price of a new car. But the fact is that we are all aging and in 20 years the vast majority of Boomers will be gone or incapable of cruising.
Will the 35-40 year olds of today, many of whom are perfectly content that their property is mortgaged and they have regular monthly payments on many of their possessions,
have the financial resources to afford a luxury cruise or the funds to provide for a comfortable lengthy retirement?