On CC, the saying is it isn't the trip-of-a-lifetime crowd but those new to cruising who get suckered in and often face a disembarkation bill that is more than their cruise cost. Was on a repo and met a reasonably-but-modestly-affluent couple on their first cruise. They managed to get suckered into a beverage card "deal" (>USD50 pppd + 18% gratuity, every adult in the cabin has to buy one) for 22 days - and he couldn't even drink alcohol for medical reasons! They admitted they were getting whatever sealed drinks they could get their hands on to take off the ship.

As for me, HAL has marked me as cheap. Don't get the private deal offerings I used to. All this after only 2 cruises.