Good points. I have often thought this myself. We’re a little younger than the average age we see on Viking cruises, and we definitely skew more informal. I don’t associate jeans or shorts with being too “Carnival” or “Walmart.” (Both terms smell just a teensy bit snobbish to me, frankly.)
But I know that many — most — of the people we cruise with have a more extensive cruising background than we do and are used to a certain formality that comes with cruising, which they enjoy. We respect that. Maybe when we’re both retired we’ll see dressing up as more of an enjoyable event. In the meantime, it’s not like Viking is requiring tuxes and evening gowns.
As you say, it will be interesting to see what changes the next generation of cruising will bring.