I do believe that "officially" spouces can combine Marriott points for awards. "Unofficially" it seems that they are allowing most anybody to combine awards. At least that seems to be the experiences shared here.

So I guess it might be theoretically possible to use CC and get somebody to "combine" the 100K or so points you would need. But I would say, that right now, you might be better off just paying for the cruise and waiting until a later date to use your points (unless your wife has the needed points.)